{"filings":[{"id":97940,"accession_number":"0001140361-26-012549","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K/A","filed_at":"2026-04-01T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CreditRiskMonitor.com finalizes separation with former CAO David Reiner; $120K severance","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["David Reiner, former Chief Accounting Officer, terminated Feb 27, 2026; position eliminated.","Separation agreement signed March 19, 2026 provides $120K severance in three $40K installments.","Company agrees to neutral reference and will not contest unemployment; mutual non-disparagement.","Reiner remains bound by prior non-compete/proprietary information agreement; cooperation obligations for 6 months.","Reiner releases all claims against the company in exchange for severance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113150,"accession_number":"0001140361-26-007839","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2026-03-04T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"CreditRiskMonitor.com terminates CAO David Reiner effective Feb 27, 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Chief Accounting Officer David Reiner's position terminated on Feb 27, 2026.","No successor announced; CEO Michael Flum signed the 8-K filing.","Company expressed gratitude for Reiner's service but gave no reason for termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146112,"accession_number":"0001140361-25-035954","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2025-09-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"CreditRiskMonitor names Madhav Kale as CTO effective Sept 18, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Madhav Kale appointed CTO effective September 18, 2025; brings 30+ years fintech, cybersecurity, SaaS experience.","Prior roles include EVP & CTO at Carixa, CTO at WellAware, CEO/Founder of Zebra Digital Assets, senior roles at Sungard/Fidelity.","Michael Clark, who served as interim CTO since Nov 2024, returns to role of SVP, Engineering.","CEO Mike Flum highlighted Kale's AI expertise to enhance financial risk analytics and product offerings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146111,"accession_number":"0001140361-25-035646","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2025-09-22T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"CreditRiskMonitor stockholders elect four directors, approve say-on-pay and auditor ratification","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All four director nominees (Jerome Flum, Lisa Reisman, Joshua Flum, Lawrence Fensterstock) elected with no director receiving more than 297,000 withhold votes.","Advisory vote on executive compensation passed: 6,732,866 for, 127,578 against, 35,515 abstain.","Ratification of CohnReznick LLP as independent auditor for fiscal 2025 passed: 8,072,471 for, 313 against, 4,119 abstain.","Advisory vote on frequency: 6,112,623 voted for three years; Board set future say-on-pay votes every three years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":164423,"accession_number":"0001140361-25-016546","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Brigitte Muehlmann not to stand for re-election to CRMZ board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Brigitte Muehlmann, PhD and CPA, informed the company on April 25, 2025, she will not seek re-election.","Dr. Muehlmann has no disagreements with CreditRiskMonitor.com related to her departure.","Her term will end at the expiration of her current term; no replacement announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":198819,"accession_number":"0001140361-24-043034","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2024-10-08T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"CreditRiskMonitor detects cyber incident; employee/contractor PII potentially accessed July 8-17","summary_kind":"llm","event_type":"cyber","confidence":"high","bullets":["Detected unauthorized network access on July 19, 2024; investigation with third-party specialists.","Unauthorized actor may have viewed/copied files between July 8-17, 2024.","PII of employees and independent contractors (not customers) potentially compromised.","Notices issued October 8, 2024; offering 24-month credit monitoring to affected individuals.","Company states incident has not materially impacted operations or financial condition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234024,"accession_number":"0001140361-24-028159","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2024-05-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CreditRiskMonitor appoints Gerold as CFO, Reiner as CAO, effective May 23, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jennifer Gerold appointed CFO, replacing Steven Gargano who served since 2020; salary $200,000.","David Reiner appointed CAO; previously VP Corporate Controller since 2020; salary $185,000.","Gerold joined the company in Feb 2024 as Chief Monetization Officer; prior Managing Director at EY.","Both officers eligible for bonus and equity awards; appointments effective May 23, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":286490,"accession_number":"0001140361-23-034579","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2023-07-14T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Annual meeting elects four directors, ratifies CohnReznick as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders elected Jerome S. Flum, Lisa Reisman, Brigitte Muehlmann, and Joshua M. Flum to the board.","Ratification of CohnReznick LLP as independent auditor for FY2023 passed with 8,399,937 votes for, 261 against.","Total shares outstanding and entitled to vote: 10,722,401 as of record date May 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306391,"accession_number":"0001140361-23-025662","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2023-05-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Two directors of CreditRiskMonitor.com will not stand for re-election at 2023 annual meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Andrew J. Melnick and Richard Lippe notified the board they will not seek re-election.","Both departures are effective at the 2023 Annual Meeting; no disagreements cited.","The company expects to nominate two new director candidates for election."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":306390,"accession_number":"0001140361-23-022127","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2023-05-01T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"CreditRiskMonitor appoints Michael Flum as CEO; Jerry Flum becomes Executive Chairman","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael Flum appointed CEO and President effective May 1, 2023; previously COO and President.","Jerry Flum steps down as CEO after 24 years but remains Executive Chairman and stands for re-election.","Michael Flum's salary increased from $193,000 to $205,000; granted options for 50,000 shares with 10-year term.","Michael Flum is son of Jerry Flum and brother of Director Joshua Flum; holds MBA from Columbia."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":359829,"accession_number":"0001140361-22-026076","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2022-07-15T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Shareholders re-elect all four directors, ratify auditor, approve say-on-pay at annual meeting.","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All four director nominees elected with >6.4M votes each; broker non-votes ~1.37M.","Ratification of CohnReznick as auditor approved with 7.82M for, 4 against.","Say-on-pay proposal passed with 6.24M for, 15.5K against, 195.7K abstentions.","Total shares outstanding and entitled to vote: 10,722,401 as of record date June 10, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":396944,"accession_number":"0001140361-22-003512","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2022-02-01T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"CreditRiskMonitor reports preliminary 2021 revenue ~$17M, operating income ~$2M+; approves $1M buyback","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Preliminary 2021 revenue ~$17M, operating income ~$2M+; figures subject to final audit.","Board authorized $1M share repurchase program; open market or private transactions.","President Mike Flum cites strong balance sheet and cash flow performance.","Repurchase program may be modified, suspended, or discontinued at company's discretion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433514,"accession_number":"0001140361-21-031169","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2021-09-14T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"CreditRiskMonitor detects external security incident on Sept 8; no material impact expected","summary_kind":"llm","event_type":"cyber","confidence":"high","bullets":["External security incident detected on September 8, 2021, affecting network accessibility.","Investigation launched with specialist services; impact assessment ongoing.","Company does not expect incident to materially affect business, operations, or financial condition.","Top priority is ensuring privacy and security of client and business partner information."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":433513,"accession_number":"0001140361-21-024537","cik":315958,"company_name":"CREDITRISKMONITOR COM INC","ticker":"CRMZ","form_type":"8-K","filed_at":"2021-07-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"CreditRiskMonitor shareholders elect directors and ratify auditor at 2021 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected Jerome S. Flum, Andrew J. Melnick, Richard Lippe, and Joshua M. Flum as directors; all received over 7.8M votes for.","Ratified CohnReznick LLP as independent auditor for fiscal 2021 with 9,376,759 votes for, 765 against.","Total shares outstanding and entitled to vote: 10,722,401 as of June 11, 2021 record date; 7,855,055 voted on director election.","Broker non-votes on director proposals: 1,526,069; no broker non-votes on auditor ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":24226877.000000004,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}