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10-Q/A ·Filed Aug 19, 2026

CRMZ

CREDITRISKMONITOR COM INC
BEARISH
Impact 7/10
Horizondays Processed2mo ago SEC0001140361-26-033730
Amended quarterly report (potential restatement)
Actionable Insight ▼ Bearish

Monitor for the actual restated financials when the 10-Q/A becomes available — the magnitude of the earnings and equity adjustments will determine the stock's reaction. The prior 8-K was scored bearish at impact 7/10, and this amendment is an amplifier per actuarial verdicts, suggesting continued downside risk.

DirectionBearish
Confidencelow
Horizondays
Latest settled — T+20d ⚠ clustered
CRMZ ▲ +2.44% at T+20d
SHORT call ✗ call lost -2.44% · α vs SPY -3.96% · entry $2.05 → $2.10
Next anchor: T+60d in 16d
Latest observation: T+46 -5.99% FF3 residual α
Entry = T+0 close
Aug 19, 2026
via day close
T+1d
-2.44%
call +2.44% · α +1.60%
$2.00
settled 2mo ago
T+5d
+2.44%
call -2.44% · α -2.83%
$2.10
settled 2mo ago
T+20d
+2.44%
call -2.44% · α -3.96%
$2.10
settled 6w ago
T+60d
Pending
in 16d

Price Chart

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Executive Summary

Analysis based on filing metadata only — document content was unavailable. This is an amended 10-Q (10-Q/A) for CreditRiskMonitor.com, filed following an 8-K (Item 4.02) restatement disclosure from 13 days prior. The amendment is expected to quantify the previously announced ~$1.977 million in tax liabilities and related material weakness in internal controls over tax nexus monitoring, affecting fiscal years 2024 and 2025 and multiple quarterly periods. The cross-filing context shows a bearish restatement event with high impact, and the actuarial verdicts confirm this amendment is an amplifier of that negative signal.

Key Facts

  • Filing is an amended 10-Q (10-Q/A) for CreditRiskMonitor.com (CRMZ)
  • Document content was unavailable — analysis based on metadata and cross-filing context only
  • Prior 8-K (Item 4.02) filed 13 days ago announced restatement of FY2024, FY2025, and multiple quarterly periods
  • Restatement involves ~$1.977 million in tax liabilities for failure to collect/remit sales/use tax and file income taxes
  • Material weakness identified in internal controls over tax nexus monitoring
  • Cross-filing actuarial verdicts confirm this amendment is an amplifier of the restatement signal

Financial Impact

Prior 8-K disclosed expected ~$1.977 million in combined tax liabilities; amendment expected to quantify restatement impact on previously reported financials

revenuenet incometax liabilitiesequitycash flow

Risk Factors

  • Restatement may reveal additional tax liabilities beyond the ~$1.977 million estimate
  • Material weakness in internal controls could lead to further restatements or regulatory scrutiny
  • Potential litigation risk from shareholders or tax authorities
  • OTC-listed stock with limited liquidity may experience outsized moves on news

Market Snapshot

Exchange
OTC
Sector
Services-Consumer Credit Reporting, Collection Agencies

Investment Themes

Services

Documents Analyzed

Report based on filing metadata.

6 reports for CRMZ
Performance horizon
75% Hit rate @ T+1 3 of 4 directional calls Went positive at some point 4 of 4 best @ T+1▲ +6.98%Aug 6, 2026
Filters
Rows
Reports for CRMZ — sortable, filterable
TypeNow
Sep 18, 2026
5w ago
8-K
NEUTRAL ★ 3/10
$2.10 $2.10· 0.00%▼ −1.55%$2.08 (−0.95%)
Aug 19, 2026
9w ago
10-Q/A
BEARISH ★ 7/10
$2.05 $2.00▲ +2.44%▲ +1.60%$2.08 (−1.46%)
Aug 19, 2026
9w ago
10-K/A
BEARISH ★ 7/10
$2.05 $2.00▲ +2.44%▲ +1.60%$2.08 (−1.46%)
Aug 19, 2026
9w ago
10-Q/A
BEARISH ★ 7/10
$2.05 $2.00▲ +2.44%▲ +1.60%$2.08 (−1.46%)
Aug 6, 2026
11w ago
8-K
BEARISH ★ 7/10
$2.15 $2.00▲ +6.98%▲ +7.59%$2.08 (+3.26%)
Mar 4, 2026
33w ago
8-K
BEARISH ★ 6/10
$2.31 $2.31· 0.00%▼ −0.57%$2.08 (+9.96%)
Showing 6 of 6

US Market Status

Market Closed — Opens Wed (15h 37m)

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Report published Aug 19, 2026