Risk Monster
Basic Information
- Stock Code
- 3768
- Industry
- Information and Communications
- Category Detail
- Professional Services for Businesses
- Prefecture
- Tokyo
- Establishment Year
- September 2000
- Listing Year
- March 2005
- Official Website
- https://www.riskmonster.co.jp
- TSE Information
- TSE Information
- Yahoo! Finance
- Yahoo! Finance
- Other Companies
- All About, T-BASE, Zaplas, Fisco, Uraru, Wills, SBI Global Asset Management, IR Japan Holdings, IFIS Japan, Beat Holdings Limited
Overview
Risk Monster is an information and communications company established in 2000, providing credit management ASP services centered on its proprietary database and credit ratings, and has earned high trust within the industry.
Current Situation
Risk Monster recorded consolidated net sales of approximately ¥3.55 billion and net profit of approximately ¥420 million in the fiscal year ended March 2021, maintaining a stable business foundation. Its core business consists of credit management ASP services and related consulting, leveraging its proprietary credit rating database to secure competitive advantages in the market. It also provides anti-social forces check tools for evaluating transaction partner creditworthiness to expand its services. Through group companies, it is pursuing diversification into sales and marketing support, BPO, and education-related businesses. Moving forward, it aims to become a comprehensive BPO company by expanding services across industries to accelerate growth. It is also focusing on sustainability and digitalization initiatives to adapt to evolving customer needs while strengthening mid- to long-term competitiveness.
Trivia
Interesting Facts
- Founded by three former Nissho Iwai credit department members.
- Holds high market share in the industry with ASP services specialized in credit management.
- Anti-social check tool recognized since early in the industry.
- Expands BPO services through group companies to achieve comprehensive support.
- Utilizes proprietary information network for credit data collection.
- Strong presence in education sector via online training services.
- Listed in 2005, mature company with about 20 years of history.
- Listed on Tokyo Stock Exchange Standard Market with high transparency management.
- Major shareholders include major firms like Tokyo Shoko Research and Optage.
- Credit evaluation data used by many financial institutions.
- Credit management for transaction partners has been core business since founding.
- Contributes to business risk reduction through credit rating provision.
- High recognition for bankruptcy probability calculation services.
- Deploys education and training under CyberX Univ. brand.
- Head office located in Nihonbashi, Chuo-ku, Tokyo.
Hidden Connections
- Initial corporate base from network of former Sojitz (formerly Nissho Iwai) personnel.
- Business advancement through capital and operational alliance with major shareholder Optage.
- Collaborations with key BPO industry players via Rismon Muscle Data.
- Major financial institutions as primary users of credit ratings, handling financing.
- Credit risk evaluations utilized in various transaction screenings as business intelligence.
- Advanced industry initiative in expanding into education and training compared to competitors.
- Track record of collaborations with public institutions in local SME support activities.
- Deploys risk management across multiple industries using proprietary database.
Future Outlook
Growth Drivers
- Increasing demand for credit management amid digitalization progress
- Expanding needs for advanced analysis using AI and big data
- Growth in cloud credit management services for SMEs
- Diversification and efficiency pursuit in BPO needs
- Expansion of regulations strengthening compliance
- Acceleration of online shift in education and training market
- Expansion of domestic and international credit evaluation markets
- Spread of sustainability-focused management
- Enhanced support from government IT promotion policies
- Increased demand for related services due to telework prevalence
- Market share expansion through service differentiation from competitors
- Customer base diversification and long-term contract acquisition
Strategic Goals
- Surpass 1,000 contracts for credit management cloud services
- Improve credit evaluation accuracy by 20% using AI
- Double sales in education and training business
- Achieve over 30% market share in major domestic industries
- Enhance corporate value through environmental load reduction and DX promotion
- Launch services in overseas markets
- Establish position as comprehensive BPO company
- Maintain customer satisfaction above 90%
- Strengthen speed and reliability in regulatory compliance
- Improve business efficiency by 30% through internal DX
Business Segments
Credit Management and Risk Evaluation
- Overview
- Corporate services supporting credit risk management, including credit management, credit ratings, anti-social checks, and more.
- Competitiveness
- Advanced credit evaluation capabilities based on proprietary database
- Customers
-
- Financial institutions
- Manufacturing
- Wholesale
- Retail
- IT and communications companies
- Services
- Trading companies
- Real estate
- Public institutions
- Educational institutions
- Consulting firms
- Insurance
- Products
-
- Credit rating tools
- Bankruptcy probability analysis
- Anti-social forces check service
- Credit management ASP
- Risk monitoring
- Automatic credit information collection
- Credit report creation
- Credit management consulting
- API integration service
- Corporate credit evaluation
BPO and Business Outsourcing
- Overview
- Provides digital data conversion and back-office BPO services to support corporate business efficiency.
- Competitiveness
- Flexible outsourcing system adaptable to diverse industries
- Customers
-
- Manufacturing
- Distribution
- IT companies
- Financial institutions
- Medical institutions
- Local governments
- Educational institutions
- Energy companies
- Staffing agencies
- Consulting companies
- Products
-
- Data entry agency
- Document management
- Accounting support
- Back-office processing
- Customer data management
- Online document management
- Business process optimization
- System integration support
Education and Training Services
- Overview
- Provides online and in-person training programs to support corporate human resource development.
- Competitiveness
- Practical and customizable training content
- Customers
-
- Corporate entities
- Financial institutions
- Manufacturing
- Services
- Educational institutions
- Public organizations
- Small and medium enterprises
- Products
-
- e-Learning system
- Online training
- Promotion training
- Compliance courses
- Sales skills training
- Human resource development consulting
- In-company training support
Competitive Advantage
Strengths
- Proprietary database specialized in credit management services
- Convenience of ASP cloud services
- Flexibility to accommodate diverse industries
- Stable financial base
- Comprehensive service provision through diversified group companies
- High technological and analytical capabilities
- Diverse service expansion including anti-social check tools
- Reliable credit ratings
- Rapid information collection capabilities
- Customer-responsive support system
- Long track record and expertise in the industry
- Robust education and training services
- Customer-centric consulting
- Compliance with laws and regulations
- Continuous service improvement mindset
Competitive Advantages
- Differentiation through proprietary corporate credit evaluation model
- Proven track record across wide range of industries and company sizes
- Scalability and convenience of cloud-based ASP services
- Multi-functional services via group company collaboration
- Risk monitoring system leveraging latest technologies
- Combined services in education/training and credit management
- High customization capabilities for customers
- Integrated analysis of extensive financial data and market information
- High retention rate with loyal customer base
- Emphasis on transparency and reliability in information provision
- Rapid customer support system and specialized staff
- Consulting services in risk-related areas
- Established track record and credibility as a vendor
- Fast response speed and efficient operations
- Service improvements responsive to industry trends
Threats
- Expansion of similar services by competitors
- Risk of failing to keep pace with technological innovations
- Increasing demands for data security and personal information protection
- Need for rapid adaptation to changing market needs
- Intensifying price competition from emerging IT companies
- Rising operational costs due to stricter regulations
- Customer investment restraint amid economic downturns
- Operational risks from reliance on cloud services
- Increasing difficulty in acquiring new customers
- Challenges in promoting usage due to customers' lack of digital skills
- Challenges in ensuring reliability of information sources
- Decline in competitiveness from delayed global expansion
Innovations
2024: Development of AI-Powered Credit Risk Prediction Model
- Overview
- Applied artificial intelligence technology to achieve higher accuracy in bankruptcy risk and credit ratings.
- Impact
- Improved credit evaluation accuracy and faster decision-making support.
2023: Overhaul of Anti-Social Forces Check Tool
- Overview
- Adopted automated analysis system integrated with latest database to improve accuracy.
- Impact
- Shortened transaction partner screening time and contributed to risk reduction.
2022: Major UX/UI Improvements to Cloud Services
- Overview
- Completely revamped interface to enhance usability.
- Impact
- Improved customer satisfaction and higher contract renewal rates.
2021: Introduction of Data Collection Automation Platform
- Overview
- Automated data collection from diverse sources to drive efficiency.
- Impact
- Increased data update frequency and cost reductions.
Sustainability
- Promoting digital documents to reduce paper usage
- Strengthening information security management
- Telework environment setup to reduce CO2 emissions
- Community information education support activities
- Promoting energy-saving measures in data centers