# CreditRiskMonitor.com, Inc. (CRMZ) · Edgar & Edgarette company card

> CreditRiskMonitor.com (CRMZ) grew revenue 1.6% in FY2025 to $20 million, operating margin 0.4% against a 4.8% median for consumer credit reporting, collection agencies, equity 41.3% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 315958 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/CRMZ) · [JSON](https://www.pops4.com/boards/company/CRMZ.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $20M |
| Revenue growth, 1 year | 1.6% |
| Revenue growth per year | 4.2% |
| Operating margin | 0.4% (prior year 3.7%) |
| Net margin | 2.5% |
| Operating cash flow | $968,188 |
| Capital spending | $268,265 |
| Free cash flow | $699,923 |
| Cash | $6M |
| Long-term debt | — |
| Total assets | $26M |
| Total equity | $11M |
| Equity ÷ assets | 41.3% |
| Return on equity | 4.7% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Altman Z: -0.02 (distress zone)
- Piotroski F: 5 of 9 (middling)
- Health Harbor boat: Weathered boat · two warning signs · filed earlier statements no longer to be relied on, late quarterly report notice in the last 12 months; revenue is hard to predict: its 80% range is ±35%
- Cash Compass: In between · no clear cash pattern yet

## Edgarette's reading

Exposure: revenue $20.1M (FY2025). Experience: revenue up 1.6% on the year, up 4.2% a year over 4 years; operating margin 0.4%, down from 3.7%. Soundness: equity 41.3% of assets, return on equity 4.7%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $14.1M and $29.0M next year (method v4.1: its own 6-year record of growth weighed at 63% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $13.4M to $30.5M. A statistical range, not company guidance. Against peers (373 filers, $50M+ revenue, its industry group): operating margin 0.4% against a 4.8% median; growth 1.6% against 9.3%.

Range logged 2026-09-24, receipt e46ca03520d22faa, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 4.02 Earlier statements no longer to be relied on: 1, latest 2026-08-06 ([filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126031633/0001140361-26-031633-index.htm))
- Item NT 10-Q Late quarterly report notice: 1, latest 2026-08-14 ([filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126032950/0001140361-26-032950-index.htm))
- Item 5.02 Director or officer change: 2, latest 2026-09-18 ([filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126037085/0001140361-26-037085-index.htm))

## Recent filings

- 8-K · filed 2026-09-18 · 5.02 Departure or Election of Directors; Appointment of Officers · [filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126037085/0001140361-26-037085-index.htm)
- 10-Q · filed 2026-08-19 · [filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126033735/0001140361-26-033735-index.htm)
- 8-K · filed 2026-08-17 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126033276/0001140361-26-033276-index.htm)
- 8-K · filed 2026-08-06 · 4.02 Non-Reliance on Previously Issued Financial Statements · [filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126031633/0001140361-26-031633-index.htm)
- DEF 14A · filed 2026-06-29 · [filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126026642/0001140361-26-026642-index.htm)
- 10-Q · filed 2026-05-12 · [filing](https://www.sec.gov/Archives/edgar/data/315958/000114036126020775/0001140361-26-020775-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000315958.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=315958

## Cite

POPS4, Edgar & Edgarette: CreditRiskMonitor.com, Inc. (CRMZ) company card, from the company's own SEC filings, accessed 2026-11-06, https://www.pops4.com/boards/company/CRMZ. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.