Riskmonster.com
3768・Standard Market・Information & Communication
Credit Management Services
Core group segment. Provides ASP/cloud credit management and consulting services for corporate clients.
| Period | Current | Previous | Change |
|---|---|---|---|
| Segment net sales (full year) | ¥2,050 million | ¥1,985 million | ↑ |
| Segment profit (full year) | ¥354 million | ¥248 million | ↑ |
| Segment profit margin (full year) | 17.3% | 12.5% | ↑ |
| Credit Management Services membership count (period-end) | 8,445 members | 7,890 members | ↑ |
| ASP/cloud service net sales | ¥1,580 million | ¥1,567 million | ↑ |
| Consulting Services net sales | ¥470 million | ¥418 million | ↑ |
| Segment assets (period-end) | ¥4,393 million | ¥4,749 million | ↓ |
Business Details
The core business supporting screening and credit management operations in business-to-business credit transactions. It comprises ASP/cloud services utilizing proprietary indicators such as the "RM Rating," as well as consulting services including portfolio analysis. As the mainstay of the corporate membership business, it accounted for approximately 54% of consolidated net sales of ¥3,824 million in FY2026 (ending March 2026). Against a backdrop of rising compliance awareness, both membership numbers and usage volumes have continued on an increasing trend.
Recent Overview
Both net sales and profit increased significantly; membership count rose by 555 to 8,445 members.
In FY2026 (ending March 2026), net sales reached ¥2,050 million (103.3% year on year) and segment profit reached ¥354 million (142.6% year on year), a substantial increase. The main driver was improved profit margin resulting from data infrastructure efficiency gains and optimized system operations. Usage of e-Yoshin Navi and the Anti-Social Forces Check Service progressed smoothly, and DX-related spot orders were also secured. The promotion of integrated usage such as continuous monitoring services and API integration also improved customer unit price and retention rate. Membership count increased by 555 from the end of the prior period to 8,445 members.
Key Products
Growth Drivers
- Increased usage of the Anti-Social Forces Check Service (individual search, periodic service, API integration) against a backdrop of rising corporate compliance awareness
- Improved customer unit price and retention rate through promotion of integrated usage of e-Yoshin Navi's continuous monitoring service and API integration
- Acquisition of spot orders for Consulting Services driven by clients' promotion of internal DX initiatives
- Expansion of the membership base through the provision of new services such as the RM Registry Investigation Report and RM China Enterprise Compliance Check Report
- Improved profit margin (segment profit margin rising from 12.5% to 17.3%) through data infrastructure efficiency gains and optimized system operations
Risks
- Cost pressure from continued investment (¥925 million per period in intangible fixed asset acquisition expenditure) to enhance the proprietary database and service systems
- Intensifying competition as companies become more selective in service selection (amid rising prices, labor shortages, and unstable international conditions)
- Risk of system failures (stable operation of the ASP/cloud service is a prerequisite for business continuity, including AWS dependency risk)
- Risk of leakage of confidential information such as customer information and corporate information (unauthorized external access or deficiencies in internal management systems)
- Risk of profit deterioration due to changes in the business environment and the impact of yen depreciation at the Shanghai, China base (Riskmonster China)
Last updated: June 22, 2026