| Item 1. | |
| (a) | Name of issuer:
CREDITRISKMONITOR COM INC |
| (b) | Address of issuer's principal executive
offices:
704 EXECUTIVE BOULEVARD, SUITE A, VALLEY COTTAGE, NEW YORK, 10989. |
| Item 2. | |
| (a) | Name of person filing:
This Schedule 13G is being filed by:
(1) Caldwell Sutter Capital, Inc., a California corporation, Broker Dealer and registered Investment Advisor (?Caldwell Sutter?);
(2) Joseph F. Helmer, a United States Citizen; and
(3) Joseph Raymond, a United States Citizen (together with Caldwell Sutter and Joseph F. Helmer, the ?Reporting Persons?)
|
| (b) | Address or principal business office or, if
none, residence:
The address of the principal business office of the Reporting Persons is 30 Liberty Ship Way #3225, Sausalito, CA 94965-3324 |
| (c) | Citizenship:
See Item 2(a). |
| (d) | Title of class of securities:
Common Stock, $0.01 par value per share |
| (e) | CUSIP No.:
225426105 |
| Item 3. | If this statement is filed pursuant to §§
240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a: |
| (a) |  Broker
or dealer registered under section 15 of the Act (15 U.S.C. 78o); |
| (b) |  Bank
as defined in section 3(a)(6) of the Act (15 U.S.C. 78c); |
| (c) | Insurance
company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c); |
| (d) | Investment
company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8); |
| (e) | An
investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E); |
| (f) | An
employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F); |
| (g) | A
parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G); |
| (h) | A
savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C.
1813); |
| (i) | A
church plan that is excluded from the definition of an investment company under section 3(c)(14)
of the Investment Company Act of 1940 (15 U.S.C. 80a-3); |
| (j) | A
non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S.
institution in accordance with § 240.13d-1(b)(1)(ii)(J),
please
specify the type of institution: |
| (k) | Group,
in accordance with Rule 240.13d-1(b)(1)(ii)(K). |
| | |
| Item 4. | Ownership |
| (a) | Amount beneficially owned:
Caldwell Sutter, a broker dealer and investment advisor registered under Section 203 of the Investment Advisors Act of 1940, serves as the investment manager for a number of managed accounts with respect to which it has dispositive authority over the shares held therein, and therefore may be deemed to be the beneficial owner of the shares held in such client accounts. As President of, and an investment manager to, Caldwell Sutter, and in addition to shares held directly, Joseph F. Helmer may be deemed to be the beneficial owner of the shares held by clients in accounts managed by Caldwell Sutter. As an investment manager to Caldwell Sutter, and in addition to shares held directly, Joseph Raymond may be deemed to be the beneficial owner of the shares held by clients in accounts managed by Caldwell Sutter.
Caldwell Sutter Capital, Inc. Amount beneficially owned: 533,270
Joseph F. Helmer Amount beneficially owned: 547,670
Joseph Raymond Amount beneficially owned: 541,825 |
| (b) | Percent of class:
The percentage of class is based on 10,772,401 shares of Common Stock outstanding as of November 14, 2024, as reported in the Issuer's Quarterly Report on Form 10-Q filed November 14, 2024.
Caldwell Sutter Capital, Inc. Percent of class: 5.0%
Joseph F. Helmer Percent of class: 5.1%
Joseph Raymond Percent of class: 5.0% % |
| (c) | Number of shares as to which the person has:
|
| | (i) Sole power to vote or to direct the vote:
Caldwell Sutter Capital, Inc. 0
Joseph F. Helmer 24,064
Joseph Raymond 18,219
|
| | (ii) Shared power to vote or to direct the
vote:
Caldwell Sutter Capital, Inc. 0
Joseph F. Helmer 0
Joseph Raymond 0
|
| | (iii) Sole power to dispose or to direct the
disposition of:
Caldwell Sutter Capital, Inc. 0
Joseph F. Helmer 14,400
Joseph Raymond 18,219
|
| | (iv) Shared power to dispose or to direct the
disposition of:
Caldwell Sutter Capital, Inc. 533,270
Joseph F. Helmer 533,270
Joseph Raymond 541,825
|
| Item 6. | Ownership of more than 5 Percent on Behalf of
Another Person. |
| |
Not Applicable
|
| Item 7. | Identification and Classification of the
Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or
Control Person. |
| |
Not Applicable
|
| Item 8. | Identification and Classification of Members
of the Group. |
| |
Not Applicable
|
| Item 9. | Notice of Dissolution of Group. |
| |
Not Applicable
|
