RISKMONSTER

What RISKMONSTER does

Risk Monster Inc. (リスクモンスター株式会社) is a Tokyo-based, publicly listed (TSE Standard Market, Securities Code 3768) B2B credit management and anti-social check SaaS provider founded in September 2000. The company serves Japanese enterprises with a cloud platform built around three proprietary assets: the RM Credit Rating system covering 5 million+ companies (91.8% bankruptcy prediction accuracy), the RM Credit Limit engine that computes transaction limits across three dimensions (basic allowable, sales limit, approval limit), and the Anti-Social Check Heatmap that visualizes compliance and societal-force risk across geographic and corporate dimensions. Its core portal, e-Yoshin Navi, integrates these modules with monitoring (e-kanri file), portfolio analysis, AI-OCR-based financial statement analysis (95% accuracy, patented), and registration-change alerts. Supporting revenue streams include the J-MOTTO business portal (subsidiary), Cybax Univ. e-learning (~5,000 courses, 40 million+ completions as of March 2026), Rismon Collect/Pay payment services, accounts-receivable guarantee products, and BPO outsourcing of credit operations.

The company monetizes primarily through recurring subscriptions, with usage-based API pricing for enterprise integrations (Salesforce, SAP, GRANDIT, ActRecipe, SmartVisca), freemium onboarding via Rismon Lite and a ~1-month free trial, and professional services for credit management regulation design and IPO preparation. Distribution combines direct enterprise field sales with a self-serve cloud platform, a Salesforce AppExchange listing, free-call-center-driven inside sales (0120-259-440), and channel partnerships with regional banks (Joyo Bank) and trading houses (Otsuka Sho). Member base stood at 15,042 across group entities in March 2026, with credit management services used by approximately 40% of Japanese listed companies and their affiliates, establishing category leadership in Japan's enterprise credit risk management software market. Risk Monster also operates a wholly-owned China subsidiary providing credit information on approximately 10 million Chinese companies.

Name

RISKMONSTER

Legal name

リスクモンスター株式会社

Website

https://riskmonster.co.jp

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Credit Risk Management Software

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industries

Fraud Detection & Prevention (payments fraud, account takeover, scams) (FSAGAFAE), Fraud Risk & Financial Crime Controls Advisory (BPAKADAL)

Keywords

• Credit management
• Anti-social check
• Corporate risk management
• Trade credit monitoring
• Compliance screening

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit Management Cloud Services: Core subscription-based credit management services including RM格付, credit limit calculations, and monitoring services for corporate members.
2. Anti-Social Check Services: Anti-social势力 checks and compliance verification services including heatmap visualization and individual search capabilities.
3. Business Portal Services: Groupware and business portal services under J-MOTTO brand, providing workflow, attendance management, and other business tools.
4. Education Services (Cybax Univ.): Corporate training services offering approximately 5,000 e-learning courses and web seminars through subscription model.
5. API Integration Services: API services enabling integration of credit and anti-social check data into customer systems like Salesforce, SAP, and other enterprise platforms.
6. Professional Services: Consulting services for credit management system design, IPO preparation support, and internal control consulting.
7. Corporate Data Utilization Services: Data cleansing, company name matching, attack list creation, and API integration services for enterprise data management.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Risk Monster provides a cloud-based B2B credit management and anti-social (anti-organized crime) check platform for Japanese corporations. Its core e-与信ナビ (e-Yoshin Navi) portal integrates proprietary RM Credit Ratings (covering 5 million+ companies with 91.8% bankruptcy prediction accuracy), RM Credit Limits, anti-social risk heatmaps, and financial data. The company also delivers APIs, BPO/outsourcing, consulting for credit management rule design, an e-learning platform (Cybax Univ.), and groupware (J-MOTTO).

Product overview

RISKMONSTER offers a cloud-based B2B credit management and anti-social (anti-societal forces) check platform for corporate members in Japan, structured as a core integrated platform with specialized modules and API products. The core service e-与信ナビ (e-Yoshin Navi) serves as the unified portal providing RM格付 (proprietary credit ratings for 500万+ companies), RM与信限度額 (AI-calculated credit limits), and 反社チェックヒートマップ (visual anti-social risk heatmaps) alongside financial data and news search. Supporting modules include e-管理ファイル for continuous credit monitoring, ポートフォリオサービス for portfolio-level risk quantification, 決算書分析システム with AI-OCR (95% accuracy), and 登記情報アラーム for registration change alerts. The platform's API layer (与信管理API連携サービス, 反社API, 反社個人API) integrates with Salesforce, ActRecipe, and other SaaS systems, while サイバックスUniv. provides 5,000-course e-learning as a related education service. Subsidiary J-MOTTO provides groupware. International operations through リスクモンスターチャイナ cover Chinese company credit checks via RM中国企業情報ナビ.

Differentiator

Problem solved

Functional benefit

Brands

• e-与信ナビ: Credit management service platform providing RM ratings and credit limit information.
• 反社チェックヒートマップ
• RM格付
• サイバックスUniv.
• J-MOTTO
• 攻めモンスター
• SecuredMonster
• 与信限度額診断
• e-管理ファイル
• リスモン

Products and services

• e-与信ナビ (e-Yoshin Navi)
• 反社チェックヒートマップ (Anti-Social Check Heatmap) Visual risk heatmap displaying anti-social and compliance risk locations for business partners. Aggregates news articles (50 newspapers, 10 years), litigation records, and administrative sanctions to enable integrated anti-social and credit checks in a single workflow. Includes alarm notifications and geographic noise filtering.
• RM格付 (RM Credit Rating) Proprietary credit rating system covering over 5 million companies, classifying businesses into 6-9 rating tiers (A to F). Incorporates AI and big data analysis with analyst corrections and achieves 91.8% bankruptcy prediction accuracy.
• RM与信限度額 (RM Credit Limit) Credit limit recommendation system calculating safe transaction limits based on three factors: the client's basic allowable amount (financials), sales limit amount (market share), and approval limit amount (internal authorization). Updated annually with client financials at no extra cost.
• 与信管理API連携サービス (Credit Management API Service) REST API connecting credit management data (RM ratings, credit limits, anti-social checks) into enterprise systems including Salesforce, ActRecipe, and custom applications. Enables automated credit workflow processing.
• 与信管理規程・ルール 業務フロー作成支援サービス (Credit Management Rules and Workflow Design Consulting) Consulting service for designing and documenting credit management regulations, rules, and operational workflows tailored to each client's business. Supports internal control compliance including J-SOX and IPO preparation.
• 反社チェック個人検索 (Anti-Social Individual Search) Individual name search for anti-social verification of employees, shareholders, and sole proprietors/freelancers. Searches comprehensive databases for anti-social associations and compliance risk flags.
• 反社チェック一括代行サービス (Anti-Social Check Bulk Outsourcing) Outsourced anti-social verification service handling large-scale search operations. Reduces client workload by leveraging Riskmonster's database of anti-social information for high-volume batch processing.
• 攻めモンスター (Seme Monster) Sales lead generation and targeting service using credit risk-filtered company lists. Provides department-level targeting with direct phone numbers and marketing tags for efficient account-based sales prospecting.
• 企業データクレンジングサービス (Enterprise Data Cleansing) Data cleansing and company name standardization service using AI-powered company name matching to deduplicate and normalize client databases, enabling clean data for SFA/CRM systems.
• 決算書分析システム (Financial Statement Analysis System) AI-OCR powered financial statement analysis tool that extracts data from balance sheets and income statements with 95% recognition accuracy. Accelerates financial analysis and credit assessment.
• SecuredMonster Accounts receivable guarantee service compensating up to 10 million yen (or 100% of receivables within limit) when guaranteed business partners go bankrupt. Type Gardia version available via Gardia partnership.
• 与信管理実務アウトソーシング (Credit Management BPO) BPO service handling credit management tasks including corporate registration document retrieval, web/negative article searches, administrative sanction verification, financial statement data entry, and contract scanning/filing.
• サイバックスUniv. (Cybax Univ.) Subscription-based e-learning and training portal offering approximately 5,000 courses covering compliance, security, harassment prevention, GenAI, business skills, and industry-specific training. Includes e-learning, web seminars, and training management portals. 40 million+ cumulative course completions as of March 2026.
• J-MOTTO Cloud-based groupware service operated by subsidiary Riskmon Business Portal. Includes workflow, attendance management, business card management, salary slip distribution, and expense reporting.
• Rismon企業データ for Salesforce (Rismon Enterprise Data for Salesforce) Salesforce AppExchange native app providing corporate information, RM credit ratings, and anti-social check data within Salesforce CRM for enterprise customers.
• ChatGPT Plugin (企業情報データベース) Native ChatGPT plugin enabling conversational access to Riskmonster's 5 million+ company database. Users query corporate information through ChatGPT conversations. First such integration in Japan.
• RM中国企業情報ナビ (RM China Enterprise Information Navi) Credit information service for Chinese companies, providing RM credit ratings and risk analysis for approximately 10 million Chinese businesses. Includes portfolio analysis, registration change alerts, and compliance check reports for China operations.
• ハッスルモンスター (Hustle Monster) Sales activity and reporting management tool. Originally an internal tool used by 11,000+ member companies; now sold externally with a smartphone app for field sales teams.
• リスモン業種別審査ノート (Rismon Industry-Specific Credit Review Notes) Industry-specific credit review notes covering 51+ industries. Provides industry characteristics, business models, risk factors, and credit review points for each sector. Available as web application (free for members) and published volumes.
• e-管理ファイル (e-Kanri File) Continuous monitoring service for existing business partners. Automatically tracks credit rating changes, officer changes, litigation, and administrative sanctions. Includes condolence money payment when monitored companies go bankrupt.

Quantifiable outcome

• 91.8% of bankrupt companies classified in lower rating categories
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability10 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• ネットビジネスサポート (Net Business Support)minorGTM or Marketing Partner · 22 July 2025Business partnership for strengthening data linkage in sales and marketing domains, supporting business expansion through integrated data services.
• fundbookminorStrategic or Co-development Partner · 22 July 2025Partnership supporting smooth business succession through AI credit management PDF aligned with SME M&A guidelines.
• 大塚商会 (Otsuka Sho)coreStrategic or Co-development Partner · 7 March 2025Strategic partnership to support small and medium enterprise risk management system development. Otsuka Sho provides sales and support infrastructure for Risk Monster services.
• 常陽銀行 (Joyo Bank)minorStrategic or Co-development Partner · 2 December 2024Business partnership for credit investigation services supporting companies entering China market through Joyo Bank's customer network.
• NID (エヌアイデイ)minorGTM or Marketing Partner · 10 October 2024Server operation monitoring service MesoblueMSP offered as J-MOTTO member benefit. NID also handles Risk Monster API service sales.
• Salesforce (Salesforce AppExchange)coreTechnology or Integration · 6 September 2024Risk Monster provides Rismon企业データ for Salesforce on the Salesforce AppExchange marketplace, enabling direct integration of credit ratings and anti-social check data within Salesforce CRM for enterprise customers.
• 伊藤忠グループGardiacoreStrategic or Co-development Partner · 1 May 2023Secured Monster Type Gardia service expansion partnership, providing guarantee up to 100% within limits, maximum guarantee increased to 10 million yen.
• 住商情報システム (Sumitomo Shoji Information Systems)coreStrategic or Co-development Partner · 27 September 2006Long-standing business partnership involving capital participation and collaborative business development since 2006.

Scale indicators9 records

Recent moves13 records

Expansion highlights6 records

Broad incumbents

• Nihon Keizai Shimbun (Nikkei): Japan's largest business news and corporate data provider, offering company information databases used in B2B credit decisioning. Adjacent/overlapping as a Japanese corporate information incumbent that competes for enterprise information budgets.
• Experian: Global consumer and business credit information company with significant Asia-Pacific presence. Adjacent competitor to Risk Monster in commercial credit reporting and analytics, with broader consumer credit focus versus Risk Monster's B2B-only orientation.
• Dun & Bradstreet: Global leader in business credit information, analytics, and B2B data with a long-established Japan presence. Competes with Risk Monster in corporate credit ratings and risk analytics but at much larger scale and broader international coverage.
• Moody's Analytics: Provides credit risk analytics, ratings, and decisioning platforms (including Bureau van Dijk corporate data). Comparable to Risk Monster in credit risk decisioning but serves a different scale tier (large multinationals, banks) with broader portfolio of solutions.

Others

• Salesforce AppExchange partners (financial data category): Salesforce ecosystem peers in financial/corporate data (e.g., D&B, ZoomInfo) that also publish native CRM apps — directly comparable as Salesforce AppExchange competitors to Risk Monster's Rismon Enterprise Data app.

Emerging players

• Creditsafe: Global credit bureau with operations in Japan, providing company credit reports and international business credit data. Comparable to Risk Monster in product (B2B credit reports, ratings, monitoring) but with global database advantages versus Risk Monster's Japan-centric coverage.
• CRIF: Italian-headquartered credit bureau and business information provider with global operations including Japan. Offers similar credit reports, ratings, and anti-fraud/AML services that overlap with Risk Monster's offerings, but with deeper European database.

Direct peers

• Tokyo Shoko Research: Long-established Japanese credit research and corporate information provider (TSR), offering company credit reports, rating scores, and risk management data to Japanese corporates. Most direct head-to-head competitor to Risk Monster in the Japanese listed-company credit information segment.
• Teikoku Databank: Japan's largest corporate credit bureau (TDB), providing company credit reports, risk ratings, and anti-social check services to Japanese enterprises. Directly competes with Risk Monster in core credit information and screening, but with larger database scale and longer operational history.

Regional players

• Yayoi (弥生株式会社): Japanese SMB-focused fintech providing accounting, payroll, and financial workflow SaaS. Comparable as a Japanese B2B SaaS targeting similar SMB/listed-company customer base with workflow-embedded data services, though focused on accounting rather than credit risk.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCR6IfmpxH7OFcH7ov7Qc4Lw
• Facebookfacebook.com/riskmonster
• Xx.com/riskmonster

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries5 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RISKMONSTER