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CREDIT MANAGEMENT SOLUTIONS INC

EDGAR

Quarterly report (10-Q) · filed 2001-05-15

22 filing records in this dataset, filed from 1997-03-31 to 2001-05-15. Explore the available filing history and original sources.

Inspect reported changes Compare with another company Historical disclosures Search filings Segments

Watchlist

Latest quarter

Revenue

6.28 million USD

2001-03-31 · USD

Exact inputs and evidence

Revenue: 6279881 USD Source

Operating margin

-33.77%

2001-03-31 · %

Exact inputs and evidence

Operating Income: -2120863 USD Source
Revenue: 6279881 USD Source

Operating cash flow

-2.44 million USD

2001-03-31 · USD

Exact inputs and evidence

Operating Cash Flow: -2437223 USD Source

Free cash flow

-2.59 million USD

2001-03-31 · USD

Exact inputs and evidence

Operating Cash Flow: -2437223 USD Source
Capital Expenditure: 151109 USD Source

Cash and cash equivalents: 2.29 million USD 2001-03-31 Source
Exact value

2290878 USD
Long-term debt including current maturities: Not available
Shares outstanding: Not available

Trailing twelve months

The four most recent complete quarters added together. This gives a full-year view that includes the latest quarterly results.

Net income

-3.52 million USD

2000-04-01 – 2001-03-31

Exact inputs and evidence

Net income: -395615 USD · 2000-04-01 – 2000-06-30 Source
Net income: -43350 USD · 2000-07-01 – 2000-09-30 Source
Net income: -1908578 USD · 2000-01-01 – 2000-12-31 Source
Net income: -914762 USD · 2000-01-01 – 2000-09-30 Source
Net income: -2089173 USD · 2001-01-01 – 2001-03-31 Source

Operating cash flow

-1.9 million USD

2000-04-01 – 2001-03-31

Exact inputs and evidence

Operating cash flow: -281827 USD · 2000-01-01 – 2000-06-30 Source
Operating cash flow: 584218 USD · 2000-01-01 – 2000-03-31 Source
Operating cash flow: 2317614 USD · 2000-01-01 – 2000-09-30 Source
Operating cash flow: -281827 USD · 2000-01-01 – 2000-06-30 Source
Operating cash flow: 1123715 USD · 2000-01-01 – 2000-12-31 Source
Operating cash flow: 2317614 USD · 2000-01-01 – 2000-09-30 Source
Operating cash flow: -2437223 USD · 2001-01-01 – 2001-03-31 Source

Capital expenditure

858 thousand USD

2000-04-01 – 2001-03-31

Exact inputs and evidence

Capital expenditure: 449623 USD · 2000-01-01 – 2000-06-30 Source
Capital expenditure: 246478 USD · 2000-01-01 – 2000-03-31 Source
Capital expenditure: 834150 USD · 2000-01-01 – 2000-09-30 Source
Capital expenditure: 449623 USD · 2000-01-01 – 2000-06-30 Source
Capital expenditure: 953436 USD · 2000-01-01 – 2000-12-31 Source
Capital expenditure: 834150 USD · 2000-01-01 – 2000-09-30 Source
Capital expenditure: 151109 USD · 2001-01-01 – 2001-03-31 Source

Free cash flow

-2.76 million USD

2000-04-01 – 2001-03-31

Exact inputs and evidence

Operating cash flow: -281827 USD · 2000-01-01 – 2000-06-30 Source
Operating cash flow: 584218 USD · 2000-01-01 – 2000-03-31 Source
Operating cash flow: 2317614 USD · 2000-01-01 – 2000-09-30 Source
Operating cash flow: -281827 USD · 2000-01-01 – 2000-06-30 Source
Operating cash flow: 1123715 USD · 2000-01-01 – 2000-12-31 Source
Operating cash flow: 2317614 USD · 2000-01-01 – 2000-09-30 Source
Operating cash flow: -2437223 USD · 2001-01-01 – 2001-03-31 Source
Capital expenditure: 449623 USD · 2000-01-01 – 2000-06-30 Source
Capital expenditure: 246478 USD · 2000-01-01 – 2000-03-31 Source
Capital expenditure: 834150 USD · 2000-01-01 – 2000-09-30 Source
Capital expenditure: 449623 USD · 2000-01-01 – 2000-06-30 Source
Capital expenditure: 953436 USD · 2000-01-01 – 2000-12-31 Source
Capital expenditure: 834150 USD · 2000-01-01 – 2000-09-30 Source
Capital expenditure: 151109 USD · 2001-01-01 – 2001-03-31 Source

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2001-05-15.

Financial data available through: 1999-12-31.

Coverage by financial measure

Revenue: 4 of 11 periods available· newest 1999-12-31
Operating income: 4 of 11 periods available· newest 1999-12-31
Net income: 6 of 11 periods available· newest 1999-12-31
Operating cash flow: 6 of 11 periods available· newest 1999-12-31
Capital expenditure: 6 of 11 periods available· newest 1999-12-31
Total assets: 4 of 11 periods available· newest 1999-12-31
Total liabilities: 4 of 11 periods available· newest 1999-12-31
Current assets: 4 of 11 periods available· newest 1999-12-31
Current liabilities: 4 of 11 periods available· newest 1999-12-31
Cash and cash equivalents: 4 of 11 periods available· newest 1999-12-31
long term debt: No compatible figures in this window
shares outstanding: No compatible figures in this window

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

Revenue
+34.7%

Prior period

USD 16.9 million

1998-01-01 – 1998-12-31
Current period

USD 22.78 million

1999-01-01 – 1999-12-31

Exact inputs and evidence

22775005 − 16902774 = 5872231 USD

16902774 USD · 1998-01-01 – 1998-12-31
Inspect prior input Prior source
22775005 USD · 1999-01-01 – 1999-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Revenue · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Year-over-year change in Revenue: 5872231 USD Concept: fundies:Revenue Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:Revenue: 22775005 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000891554-00-000901.txt#5775 Input fundies:Revenue: 16902774 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000891554-00-000901.txt#5775
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Net income
+USD 7.02 million

Prior period

−USD 9.57 million

1998-01-01 – 1998-12-31
Current period

−USD 2.55 million

1999-01-01 – 1999-12-31

Exact inputs and evidence

-2554776 − -9570031 = 7015255 USD

-9570031 USD · 1998-01-01 – 1998-12-31
Inspect prior input Prior source
-2554776 USD · 1999-01-01 – 1999-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Net income · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Year-over-year change in Net income: 7015255 USD Concept: fundies:NetIncome Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:NetIncome: -2554776 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2915 Input fundies:NetIncome: -9570031 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2915
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Operating cash flow
+USD 3.86 million

Prior period

−USD 7.26 million

1998-01-01 – 1998-12-31
Current period

−USD 3.4 million

1999-01-01 – 1999-12-31

Exact inputs and evidence

-3398795 − -7255279 = 3856484 USD

-7255279 USD · 1998-01-01 – 1998-12-31
Inspect prior input Prior source
-3398795 USD · 1999-01-01 – 1999-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Operating cash flow · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Year-over-year change in Operating cash flow: 3856484 USD Concept: fundies:OperatingCashFlow Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:OperatingCashFlow: -3398795 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2933 Input fundies:OperatingCashFlow: -7255279 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2933
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Capital expenditure
-85.8%

Prior period

USD 4.06 million

1998-01-01 – 1998-12-31
Current period

USD 576,222

1999-01-01 – 1999-12-31

Exact inputs and evidence

576222 − 4063464 = -3487242 USD

4063464 USD · 1998-01-01 – 1998-12-31
Inspect prior input Prior source
576222 USD · 1999-01-01 – 1999-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Capital expenditure · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Year-over-year change in Capital expenditure: -3487242 USD Concept: fundies:CapitalExpenditure Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:CapitalExpenditure: 576222 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2939 Input fundies:CapitalExpenditure: 4063464 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2939
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Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

1999 1999-01-01 – 1999-12-31

Revenue USD 22.78 million 100% of revenue
Cost of revenue USD 12.01 million 53% of revenue
Operating expenses USD 13.58 million 60% of revenue
Operating income −USD 2.82 million −12% of revenue
Tax, interest and other Derived −USD 262,443 −1.2% of revenue
Net income −USD 2.55 million −11% of revenue

Cash

Operating cash flow −USD 3.4 million −15% of revenue
Capital expenditure USD 576,222 2.5% of revenue
Free cash flow Derived −USD 3.98 million −17% of revenue

Share of revenue by period

Net income
Tax, interest and other
Operating costs

1996 Net income was higher than operating income, so the split is not drawn.
1997 Operating loss: operating costs were 129% of revenue.
1998 Operating loss: operating costs were 161% of revenue.
1999 Operating loss: operating costs were 112% of revenue.

Values and sources

Revenue breakdown by annual reporting period
Period	Revenue	Operating costs	Operating income	Tax, interest and other	Net income	Free cash flow	Source
1996 1996-01-01 – 1996-12-31	14253269	13983554 Derived	269715	-25253 Derived	294968	1408898 Derived	Source 1996-01-01 – 1996-12-31: 14253269 USD Inspect Revenue Open source 1996-01-01 – 1996-12-31: 269715 USD Inspect Operating Income Open source 1996-01-01 – 1996-12-31: 294968 USD Inspect Net Income Open source 1996-01-01 – 1996-12-31: 1857619 USD Inspect Operating Cash Flow Open source 1996-01-01 – 1996-12-31: 448721 USD Inspect Capital Expenditure Open source
1997 1997-01-01 – 1997-12-31	17157739	22128585 Derived	-4970846	-1232203 Derived	-3738643	-6485071 Derived	Source 1997-01-01 – 1997-12-31: 17157739 USD Inspect Revenue Open source 1997-01-01 – 1997-12-31: -4970846 USD Inspect Operating Income Open source 1997-01-01 – 1997-12-31: -3738643 USD Inspect Net Income Open source 1997-01-01 – 1997-12-31: -4068233 USD Inspect Operating Cash Flow Open source 1997-01-01 – 1997-12-31: 2416838 USD Inspect Capital Expenditure Open source
1998 1998-01-01 – 1998-12-31	16902774	27236097 Derived	-10333323	-763292 Derived	-9570031	-11318743 Derived	Source 1998-01-01 – 1998-12-31: 16902774 USD Inspect Revenue Open source 1998-01-01 – 1998-12-31: -10333323 USD Inspect Operating Income Open source 1998-01-01 – 1998-12-31: -9570031 USD Inspect Net Income Open source 1998-01-01 – 1998-12-31: -7255279 USD Inspect Operating Cash Flow Open source 1998-01-01 – 1998-12-31: 4063464 USD Inspect Capital Expenditure Open source
1999 1999-01-01 – 1999-12-31	22775005	25592224 Derived	-2817219	-262443 Derived	-2554776	-3975017 Derived	Source 1999-01-01 – 1999-12-31: 22775005 USD Inspect Revenue Open source 1999-01-01 – 1999-12-31: -2817219 USD Inspect Operating Income Open source 1999-01-01 – 1999-12-31: -2554776 USD Inspect Net Income Open source 1999-01-01 – 1999-12-31: -3398795 USD Inspect Operating Cash Flow Open source 1999-01-01 – 1999-12-31: 576222 USD Inspect Capital Expenditure Open source

Amounts are exact, in USD.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

USD 22.8M 1999

Values and sources

Revenue values and source evidence
Period	Series	Value(USD)	Source evidence
19961996-12-31	Revenue	14253269	Revenue: 14253269 Open source
19971997-12-31	Revenue	17157739	Revenue: 17157739 Open source
19981998-12-31	Revenue	16902774	Revenue: 16902774 Open source
19991999-12-31	Revenue	22775005	Revenue: 22775005 Open source

Revenue growth

Change in revenue from the same financial period one year earlier.

34.7% 1999

Values and sources

Revenue growth values and source evidence
Period	Series	Value	Source evidence
19961996-12-31	Year over year	No prior comparable period	Revenue: 14253269 Open source
19971997-12-31	Year over year	20.4%	Revenue: 17157739 Open source Revenue: 14253269 Open source
19981998-12-31	Year over year	-1.5%	Revenue: 16902774 Open source Revenue: 17157739 Open source
19991999-12-31	Year over year	34.7%	Revenue: 22775005 Open source Revenue: 16902774 Open source

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Operating margin -12.4% 1999

Net margin -11.2% 1999

Free cash flow margin -17.5% 1999

Operating margin
Net margin
Free cash flow margin

Values and sources

Profit margins values and source evidence
Period	Series	Value	Source evidence
19961996-12-31	Operating margin	1.9%	Operating Income: 269715 Open source Revenue: 14253269 Open source
19971997-12-31	Operating margin	-29%	Operating Income: -4970846 Open source Revenue: 17157739 Open source
19981998-12-31	Operating margin	-61.1%	Operating Income: -10333323 Open source Revenue: 16902774 Open source
19991999-12-31	Operating margin	-12.4%	Operating Income: -2817219 Open source Revenue: 22775005 Open source
19961996-12-31	Net margin	2.1%	Net Income: 294968 Open source Revenue: 14253269 Open source
19971997-12-31	Net margin	-21.8%	Net Income: -3738643 Open source Revenue: 17157739 Open source
19981998-12-31	Net margin	-56.6%	Net Income: -9570031 Open source Revenue: 16902774 Open source
19991999-12-31	Net margin	-11.2%	Net Income: -2554776 Open source Revenue: 22775005 Open source
19961996-12-31	Free cash flow margin	9.9%	Revenue: 14253269 Open source Operating Cash Flow: 1857619 Open source Capital Expenditure: 448721 Open source
19971997-12-31	Free cash flow margin	-37.8%	Revenue: 17157739 Open source Operating Cash Flow: -4068233 Open source Capital Expenditure: 2416838 Open source
19981998-12-31	Free cash flow margin	-67%	Revenue: 16902774 Open source Operating Cash Flow: -7255279 Open source Capital Expenditure: 4063464 Open source
19991999-12-31	Free cash flow margin	-17.5%	Revenue: 22775005 Open source Operating Cash Flow: -3398795 Open source Capital Expenditure: 576222 Open source

Operating cash flow

Cash generated by the company’s normal business operations.

USD -3.4M 1999

Values and sources

Operating cash flow values and source evidence
Period	Series	Value(USD)	Source evidence
19961996-12-31	Operating cash flow	1857619	Operating Cash Flow: 1857619 Open source
19971997-12-31	Operating cash flow	-4068233	Operating Cash Flow: -4068233 Open source
19981998-12-31	Operating cash flow	-7255279	Operating Cash Flow: -7255279 Open source
19991999-12-31	Operating cash flow	-3398795	Operating Cash Flow: -3398795 Open source

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

USD -4M 1999

Values and sources

Free cash flow values and source evidence
Period	Series	Value(USD)	Source evidence
19961996-12-31	Free cash flow	1408898	Operating Cash Flow: 1857619 Open source Capital Expenditure: 448721 Open source
19971997-12-31	Free cash flow	-6485071	Operating Cash Flow: -4068233 Open source Capital Expenditure: 2416838 Open source
19981998-12-31	Free cash flow	-11318743	Operating Cash Flow: -7255279 Open source Capital Expenditure: 4063464 Open source
19991999-12-31	Free cash flow	-3975017	Operating Cash Flow: -3398795 Open source Capital Expenditure: 576222 Open source

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

41.1% 1999

Values and sources

Liabilities to assets values and source evidence
Period	Series	Value	Source evidence
19961996-12-31	Liabilities / assets	20.6%	Total Liabilities: 5863634 Open source Total Assets: 28451530 Open source
19971997-12-31	Liabilities / assets	19.8%	Total Liabilities: 5745338 Open source Total Assets: 28956723 Open source
19981998-12-31	Liabilities / assets	44.8%	Total Liabilities: 11260033 Open source Total Assets: 25109676 Open source
19991999-12-31	Liabilities / assets	41.1%	Total Liabilities: 8016469 Open source Total Assets: 19492590 Open source

Current assets to current liabilities

Current assets divided by current liabilities.

1.62× 1999

Values and sources

Current assets to current liabilities values and source evidence
Period	Series	Value	Source evidence
19961996-12-31	Current assets / current liabilities	4.78×	Current Assets: 26737876 Open source Current Liabilities: 5592501 Open source
19971997-12-31	Current assets / current liabilities	4.46×	Current Assets: 25146464 Open source Current Liabilities: 5643948 Open source
19981998-12-31	Current assets / current liabilities	1.49×	Current Assets: 15645647 Open source Current Liabilities: 10498941 Open source
19991999-12-31	Current assets / current liabilities	1.62×	Current Assets: 11115670 Open source Current Liabilities: 6875651 Open source

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
Period	Net income	Operating cash flow	Capital expenditure	Free cash flow
1994 1994-01-01 – 1994-12-31	−USD 144,931 Exact value Exact value: -144931 USD 1994-01-01 – 1994-12-31: -144931 USD Inspect Net Income Open source Share or cite Citation for Net Income · CREDIT MANAGEMENT SOLUTIONS INC · 1994-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Net Income: -144931 USD Concept: fundies:NetIncome Period: 1994-01-01 to 1994-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ANetIncome&period=1994-12-31&surface=latest&period_type=duration&start=1994-01-01&unit=USD&dimensions= Input fundies:NetIncome: -144931 USD (1994-01-01 to 1994-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-97-001165.txt#2138 The citation records this snapshot. The page link may show a newer release later.	USD 307,442 Exact value Exact value: 307442 USD 1994-01-01 – 1994-12-31: 307442 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CREDIT MANAGEMENT SOLUTIONS INC · 1994-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Operating Cash Flow: 307442 USD Concept: fundies:OperatingCashFlow Period: 1994-01-01 to 1994-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3AOperatingCashFlow&period=1994-12-31&surface=latest&period_type=duration&start=1994-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 307442 USD (1994-01-01 to 1994-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-97-001165.txt#2158 The citation records this snapshot. The page link may show a newer release later.	USD 236,016 Exact value Exact value: 236016 USD 1994-01-01 – 1994-12-31: 236016 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CREDIT MANAGEMENT SOLUTIONS INC · 1994-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Capital Expenditure: 236016 USD Concept: fundies:CapitalExpenditure Period: 1994-01-01 to 1994-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ACapitalExpenditure&period=1994-12-31&surface=latest&period_type=duration&start=1994-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 236016 USD (1994-01-01 to 1994-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-97-001165.txt#2163 The citation records this snapshot. The page link may show a newer release later.	USD 71,426 Calculation and evidence 307442 − 236016 USD Exact free cash flow: 71426 USD 1994-01-01 – 1994-12-31: 307442 USD · Inspect Operating Cash Flow · Source 1994-01-01 – 1994-12-31: 236016 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CREDIT MANAGEMENT SOLUTIONS INC · 1994-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Free cash flow: 71426 USD Concept: free-cash-flow Period: 1994-01-01 to 1994-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 307442 USD (1994-01-01 to 1994-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-97-001165.txt#2158 Input fundies:CapitalExpenditure: 236016 USD (1994-01-01 to 1994-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-97-001165.txt#2163 The citation records this snapshot. The page link may show a newer release later.
1995 1995-01-01 – 1995-12-31	USD 957,932 Exact value Exact value: 957932 USD 1995-01-01 – 1995-12-31: 957932 USD Inspect Net Income Open source Share or cite Citation for Net Income · CREDIT MANAGEMENT SOLUTIONS INC · 1995-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Net Income: 957932 USD Concept: fundies:NetIncome Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ANetIncome&period=1995-12-31&surface=latest&period_type=duration&start=1995-01-01&unit=USD&dimensions= Input fundies:NetIncome: 957932 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-98-001128.txt#2112 The citation records this snapshot. The page link may show a newer release later.	USD 826,230 Exact value Exact value: 826230 USD 1995-01-01 – 1995-12-31: 826230 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CREDIT MANAGEMENT SOLUTIONS INC · 1995-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Operating Cash Flow: 826230 USD Concept: fundies:OperatingCashFlow Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3AOperatingCashFlow&period=1995-12-31&surface=latest&period_type=duration&start=1995-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 826230 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-98-001128.txt#2132 The citation records this snapshot. The page link may show a newer release later.	USD 492,333 Exact value Exact value: 492333 USD 1995-01-01 – 1995-12-31: 492333 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CREDIT MANAGEMENT SOLUTIONS INC · 1995-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Capital Expenditure: 492333 USD Concept: fundies:CapitalExpenditure Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ACapitalExpenditure&period=1995-12-31&surface=latest&period_type=duration&start=1995-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 492333 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-98-001128.txt#2137 The citation records this snapshot. The page link may show a newer release later.	USD 333,897 Calculation and evidence 826230 − 492333 USD Exact free cash flow: 333897 USD 1995-01-01 – 1995-12-31: 826230 USD · Inspect Operating Cash Flow · Source 1995-01-01 – 1995-12-31: 492333 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CREDIT MANAGEMENT SOLUTIONS INC · 1995-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Free cash flow: 333897 USD Concept: free-cash-flow Period: 1995-01-01 to 1995-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 826230 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-98-001128.txt#2132 Input fundies:CapitalExpenditure: 492333 USD (1995-01-01 to 1995-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-98-001128.txt#2137 The citation records this snapshot. The page link may show a newer release later.
1996 1996-01-01 – 1996-12-31	USD 294,968 Exact value Exact value: 294968 USD 1996-01-01 – 1996-12-31: 294968 USD Inspect Net Income Open source Share or cite Citation for Net Income · CREDIT MANAGEMENT SOLUTIONS INC · 1996-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Net Income: 294968 USD Concept: fundies:NetIncome Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ANetIncome&period=1996-12-31&surface=latest&period_type=duration&start=1996-01-01&unit=USD&dimensions= Input fundies:NetIncome: 294968 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-99-002029.txt#2574 The citation records this snapshot. The page link may show a newer release later.	USD 1.86 million Exact value Exact value: 1857619 USD 1996-01-01 – 1996-12-31: 1857619 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CREDIT MANAGEMENT SOLUTIONS INC · 1996-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Operating Cash Flow: 1857619 USD Concept: fundies:OperatingCashFlow Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3AOperatingCashFlow&period=1996-12-31&surface=latest&period_type=duration&start=1996-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 1857619 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-99-002029.txt#2598 The citation records this snapshot. The page link may show a newer release later.	USD 448,721 Exact value Exact value: 448721 USD 1996-01-01 – 1996-12-31: 448721 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CREDIT MANAGEMENT SOLUTIONS INC · 1996-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Capital Expenditure: 448721 USD Concept: fundies:CapitalExpenditure Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ACapitalExpenditure&period=1996-12-31&surface=latest&period_type=duration&start=1996-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 448721 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-99-002029.txt#2602 The citation records this snapshot. The page link may show a newer release later.	USD 1.41 million Calculation and evidence 1857619 − 448721 USD Exact free cash flow: 1408898 USD 1996-01-01 – 1996-12-31: 1857619 USD · Inspect Operating Cash Flow · Source 1996-01-01 – 1996-12-31: 448721 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CREDIT MANAGEMENT SOLUTIONS INC · 1996-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Free cash flow: 1408898 USD Concept: free-cash-flow Period: 1996-01-01 to 1996-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 1857619 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-99-002029.txt#2598 Input fundies:CapitalExpenditure: 448721 USD (1996-01-01 to 1996-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000950133-99-002029.txt#2602 The citation records this snapshot. The page link may show a newer release later.
1997 1997-01-01 – 1997-12-31	−USD 3.74 million Exact value Exact value: -3738643 USD 1997-01-01 – 1997-12-31: -3738643 USD Inspect Net Income Open source Share or cite Citation for Net Income · CREDIT MANAGEMENT SOLUTIONS INC · 1997-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Net Income: -3738643 USD Concept: fundies:NetIncome Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ANetIncome&period=1997-12-31&surface=latest&period_type=duration&start=1997-01-01&unit=USD&dimensions= Input fundies:NetIncome: -3738643 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000891554-00-000901.txt#6249 The citation records this snapshot. The page link may show a newer release later.	−USD 4.07 million Exact value Exact value: -4068233 USD 1997-01-01 – 1997-12-31: -4068233 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CREDIT MANAGEMENT SOLUTIONS INC · 1997-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Operating Cash Flow: -4068233 USD Concept: fundies:OperatingCashFlow Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3AOperatingCashFlow&period=1997-12-31&surface=latest&period_type=duration&start=1997-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: -4068233 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000891554-00-000901.txt#6377 The citation records this snapshot. The page link may show a newer release later.	USD 2.42 million Exact value Exact value: 2416838 USD 1997-01-01 – 1997-12-31: 2416838 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CREDIT MANAGEMENT SOLUTIONS INC · 1997-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Capital Expenditure: 2416838 USD Concept: fundies:CapitalExpenditure Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ACapitalExpenditure&period=1997-12-31&surface=latest&period_type=duration&start=1997-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 2416838 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000891554-00-000901.txt#6411 The citation records this snapshot. The page link may show a newer release later.	−USD 6.49 million Calculation and evidence -4068233 − 2416838 USD Exact free cash flow: -6485071 USD 1997-01-01 – 1997-12-31: -4068233 USD · Inspect Operating Cash Flow · Source 1997-01-01 – 1997-12-31: 2416838 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CREDIT MANAGEMENT SOLUTIONS INC · 1997-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Free cash flow: -6485071 USD Concept: free-cash-flow Period: 1997-01-01 to 1997-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: -4068233 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000891554-00-000901.txt#6377 Input fundies:CapitalExpenditure: 2416838 USD (1997-01-01 to 1997-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000891554-00-000901.txt#6411 The citation records this snapshot. The page link may show a newer release later.
1998 1998-01-01 – 1998-12-31	−USD 9.57 million Exact value Exact value: -9570031 USD 1998-01-01 – 1998-12-31: -9570031 USD Inspect Net Income Open source Share or cite Citation for Net Income · CREDIT MANAGEMENT SOLUTIONS INC · 1998-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Net Income: -9570031 USD Concept: fundies:NetIncome Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ANetIncome&period=1998-12-31&surface=latest&period_type=duration&start=1998-01-01&unit=USD&dimensions= Input fundies:NetIncome: -9570031 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2915 The citation records this snapshot. The page link may show a newer release later.	−USD 7.26 million Exact value Exact value: -7255279 USD 1998-01-01 – 1998-12-31: -7255279 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CREDIT MANAGEMENT SOLUTIONS INC · 1998-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Operating Cash Flow: -7255279 USD Concept: fundies:OperatingCashFlow Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3AOperatingCashFlow&period=1998-12-31&surface=latest&period_type=duration&start=1998-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: -7255279 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2933 The citation records this snapshot. The page link may show a newer release later.	USD 4.06 million Exact value Exact value: 4063464 USD 1998-01-01 – 1998-12-31: 4063464 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CREDIT MANAGEMENT SOLUTIONS INC · 1998-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Capital Expenditure: 4063464 USD Concept: fundies:CapitalExpenditure Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ACapitalExpenditure&period=1998-12-31&surface=latest&period_type=duration&start=1998-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 4063464 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2939 The citation records this snapshot. The page link may show a newer release later.	−USD 11.32 million Calculation and evidence -7255279 − 4063464 USD Exact free cash flow: -11318743 USD 1998-01-01 – 1998-12-31: -7255279 USD · Inspect Operating Cash Flow · Source 1998-01-01 – 1998-12-31: 4063464 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CREDIT MANAGEMENT SOLUTIONS INC · 1998-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Free cash flow: -11318743 USD Concept: free-cash-flow Period: 1998-01-01 to 1998-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: -7255279 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2933 Input fundies:CapitalExpenditure: 4063464 USD (1998-01-01 to 1998-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2939 The citation records this snapshot. The page link may show a newer release later.
1999 1999-01-01 – 1999-12-31	−USD 2.55 million Exact value Exact value: -2554776 USD 1999-01-01 – 1999-12-31: -2554776 USD Inspect Net Income Open source Share or cite Citation for Net Income · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Net Income: -2554776 USD Concept: fundies:NetIncome Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ANetIncome&period=1999-12-31&surface=latest&period_type=duration&start=1999-01-01&unit=USD&dimensions= Input fundies:NetIncome: -2554776 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2915 The citation records this snapshot. The page link may show a newer release later.	−USD 3.4 million Exact value Exact value: -3398795 USD 1999-01-01 – 1999-12-31: -3398795 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Operating Cash Flow: -3398795 USD Concept: fundies:OperatingCashFlow Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3AOperatingCashFlow&period=1999-12-31&surface=latest&period_type=duration&start=1999-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: -3398795 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2933 The citation records this snapshot. The page link may show a newer release later.	USD 576,222 Exact value Exact value: 576222 USD 1999-01-01 – 1999-12-31: 576222 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Capital Expenditure: 576222 USD Concept: fundies:CapitalExpenditure Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339/explain?concept=fundies%3ACapitalExpenditure&period=1999-12-31&surface=latest&period_type=duration&start=1999-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 576222 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2939 The citation records this snapshot. The page link may show a newer release later.	−USD 3.98 million Calculation and evidence -3398795 − 576222 USD Exact free cash flow: -3975017 USD 1999-01-01 – 1999-12-31: -3398795 USD · Inspect Operating Cash Flow · Source 1999-01-01 – 1999-12-31: 576222 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · CREDIT MANAGEMENT SOLUTIONS INC · 1999-12-31 CREDIT MANAGEMENT SOLUTIONS INC (edgar:1024339) Free cash flow: -3975017 USD Concept: free-cash-flow Period: 1999-01-01 to 1999-12-31 Values: Latest reported Published: 2026-11-02T12:00:28Z Snapshot: 4abe80b12c1fd7a5b62abba428e32034595ee35f2f118aa46df2a86a37b6df7e Dimensions: Consolidated View: https://fundies.io/companies/edgar/1024339?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: -3398795 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2933 Input fundies:CapitalExpenditure: 576222 USD (1999-01-01 to 1999-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/1024339/0000928385-01-000972.txt#2939 The citation records this snapshot. The page link may show a newer release later.

Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

22 filings · 0 latest values · 0 originally reported values

Dataset published 2026-11-02. Source filing dates and reporting periods are shown separately.

Identifiers: 0001024339, 1024339, edgar:1024339

CREDIT MANAGEMENT SOLUTIONS INC

Latest quarter

Revenue

Operating margin

Operating cash flow

Free cash flow

Trailing twelve months

Net income

Operating cash flow

Capital expenditure

Free cash flow

Company performance

What changed year over year

Revenue

Net income

Operating cash flow

Capital expenditure

Where revenue goes

1999 1999-01-01 – 1999-12-31

Cash

Share of revenue by period

Growth

Profit and cash

Balance sheet

Cash generation