reportingrisk.com← the monitorSEC reporting failures, scored and checked against what happened next

Or browse all companies A–Z.

Americas Carmart Inc

CRMT · Nasdaq

No reporting failures in the last 12 months

It filed on time and stood behind its numbers. Of companies scoring zero, 4.0% were delisted, went bankrupt, restated or stopped filing within the following year.

$157Mpublic float
2025-07-30most recent failure
2025-07-30declared past accounts unreliable

Score over time

012202220232024202520262022-07-01 · score 12022-06-30 filed late (10-K) · accounts not ready2022-10-01 · score 12022-06-30 filed late (10-K) · accounts not ready2023-01-01 · score 12022-06-30 filed late (10-K) · accounts not ready2023-04-01 · score 12022-06-30 filed late (10-K) · accounts not ready2024-10-01 · score 12024-09-10 filed late (10-Q) · accounts not ready2025-01-01 · score 12024-09-10 filed late (10-Q) · accounts not ready2025-04-01 · score 12024-09-10 filed late (10-Q) · accounts not ready2025-07-01 · score 12024-09-10 filed late (10-Q) · accounts not ready2025-10-01 · score 22025-07-30 accounts unreliable2025-07-15 filed late (10-K) · complex accounting2026-01-01 · score 22025-07-30 accounts unreliable2025-07-15 filed late (10-K) · complex accounting2026-04-01 · score 22025-07-30 accounts unreliable2025-07-15 filed late (10-K) · complex accounting2026-07-01 · score 22025-07-30 accounts unreliable2025-07-15 filed late (10-K) · complex accounting

Hover or tap a dot to see the filings behind that score.

Why they said they were late

As part of the year-end reporting process and the preparation of the Registrant’s Annual Report on Form 10-K for the fiscal year ended April 30, 2025 (the “Annual Report”), management identified the need to enhance disclosures related to loan modifications for borrowers experiencing financial difficulty, in accordance with ASC 310-10-50-42 through 50-44. Specifically, the Registrant is enhancing its disclosures regarding loan modifications to customers. The Registrant is in the process of completing its analysis of these accounts and based on its preliminary assessment, believes additional disclosures around the loan modifications associated with these customers are required. As a result of the time required to complete these enhanced disclosures, the Registrant is unable to file its Annual Report within the prescribed time period without unreasonable effort or expense. The Registrant expects to file the Annual Report within the fifteen-day filing extension provided by Rule 12b-25 under the Securities Exchange Act of 1934, as amended

NT 10-K, filed 2025-07-15 · complex accounting

What it filed

2025-07-30accounts declared unreliable SEC →

2025-07-15filed late (10-K)complex accounting SEC →

As part of the year-end reporting process and the preparation of the Registrant’s Annual Report on Form 10-K for the fiscal year ended April 30, 2025 (the “Annual Report”), management identified the need to enhance disclosures related to loan modifications for borrowers experiencing financial difficulty, in accordance with ASC 310-10-50-42 through 50-44. Specifically, the Registrant is enhancing its disclosures regarding loan modifications to customers. The Registrant is in the process of completing its analysis of these accounts and based on its preliminary assessment, believes additional disclosures around the loan modifications associated with these customers are required. As a result of the time required to complete these enhanced disclosures, the Registrant is unable to file its Annual Report within the prescribed time period without unreasonable effort or expense. The Registrant expects to file the Annual Report within the fifteen-day filing extension provided by Rule 12b-25 under the Securities Exchange Act of 1934, as amended

2024-09-10filed late (10-Q)accounts not ready SEC →

The Registrant is unable to file its Quarterly Report on Form 10-Q for the quarter ended July 31, 2024 (the “Quarterly Report”), in the time period prescribed for such filing without unreasonable effort or expense. The Registrant is in the process of finalizing certain amendments to its revolving credit facility and warehouse loan facility, the results of which will impact the Registrant’s financial disclosures in the Quarterly Report. As a result, the Registrant needs additional time to finalize the financial disclosures that will be included in the Quarterly Report. The Registrant expects to file the Quarterly Report within the five-day extension period afforded by Rule 12b-25 under the Securities Exchange Act of 1934, as amended (the “Exchange Act”)

2022-06-30filed late (10-K)accounts not ready SEC →

The Registrant is unable to file its Annual Report on Form 10-K for the fiscal year ended April 30, 2022 (the “Annual Report”), in the time period prescribed for such filing without unreasonable effort or expense. The Registrant has determined based on a final analysis that it has slightly exceeded the threshold for becoming a large accelerated filer, which has resulted in the Registrant transitioning to large accelerated filer status as of April 30, 2022 and, as such, has shortened the filing deadline for the Annual Report by 15 days to 60 days after the Registrant’s fiscal year-end compared to 75 days after the fiscal year-end in prior years. Therefore, the Registrant requires additional time to complete the procedures relating to its year-end reporting processes, and, as a result, is unable to file the Annual Report by the prescribed filing deadline. The Registrant expects to file the Annual Report within the fifteen-day filing extension provided by Rule 12b-25 under the Securities Exchange Act of 1934, as amended

About this score

reportingrisk.com scores every active US filer on three things a company tells the SEC about itself: late-filing notices on Form NT, 8-K item 4.02 (past accounts declared unreliable) and 4.01 (auditor changes). 1,012 are flagged today.

Every score is frozen and checked twelve months later. Across 91,452 of them, a company scoring 4 or more ended that year delisted, bankrupt, restated or silent 17.2% of the time, against 4.0% for a clean record. Scores before 2026-09-27 were reconstructed from the filing history as it stood at each date, so the record is a backtest rather than years of live calls.

See the ledger → Every company the score flagged that later failed, what it told the SEC on the way down, and the ones it missed.

Every item above is a filing this company made with the SEC.
Snapshot 2026-11-04 · data from SEC EDGAR (public domain) · not investment advice

reportingrisk.com← back to the monitorAll companies A-Z · RSS · found an error? hello@reportingrisk.com