Credit Risk Monitor

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CreditRiskMonitor.com is an interactive Internet-based financial information and news service designed specifically for corporate credit professionals. CRM's service analyzes business/commercial credit risk as contrasted to the credit risk of individuals. The terms of trade credit could be a two percent deduction from the price if payment is made within 10 days but if not, payment in full must be made within 30 days. It is the extension of this credit that is referred to as trade credit risk. The company s nearly $400,000 in 2005 revenues reflect an increase in the number of subscribers to the company's internet subscription service since 2004. Its net income also reflects improved gross sales margins, lower litigation-related legal fees, decreased interest expenses and gain on settlement of litigation. The company is headquartered in Valley Cottage, N.Y.