KCRD — what changed in the latest 10-Q
A section-by-section comparison of KCRD's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-09-21 vs the prior 10-Q · 2026-06-17
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +7 | −12 | ~1 | 4 |
| Market risk (Item 3) | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Controls & procedures | Text added/removed | +4 | −3 | 0 | 0 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Risk factors, Other information
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-09-21
The Company, through its wholly owned operating subsidiaries, Deb, Inc. and Tendercard, Inc., is an innovative FinTech and PayTech company which provides alternative Closed-Loop payment solutions to consumers and businesses across a wide variety of verticals domestically and internationally via stra…
For the three-month period ended July 31, 2026, we had revenues of $72,758 as compared to $90,930 in revenues for the three-month period ended July 31, 2025. Total Cost of Sales for the three-month period ended July 31, 2026, was $16,860 resulting in a Gross Profit of $55,898 as compared to Total Co…
For the six-month period ended July 31, 2026, we had revenues of $146,933 as compared to $176,521 in revenues for the six-month period ended July 31, 2025. Total Cost of Sales for the six-month period ended July 31, 2026, was $35,178 resulting in a Gross Profit of $111,755 as compared to Total Cost …
Although we have raised limited funds in the form of debt financing, we anticipate that until we generate more revenue, we will require additional financing in order to fully implement our plan of operations.
As of July 31, 2026, we had $9,254 in cash, $52,600 in Accounts Receivable. Total liabilities as of July 31, 2026, were $1,301,316 compared to $1,169,622 in total liabilities at January 31, 2026. The funds available to the Company will not be sufficient to fund the planned operations of the Company …
Text removed vs the prior filing · source: 10-Q · 2026-06-17
The Company, through its wholly owned operating subsidiaries, Deb, Inc. and Tendercard, Inc., is an innovative FinTech and PayTech company which provides traditional payment solutions along with alternative Closed-Loop payment solutions to consumers and businesses across a wide variety of verticals …
Deb, Inc. is transforming credit card and digital payment solutions across the world. Our mission is to provide seamless, secure, and innovative payment processing services that empower businesses to thrive in a fast-paced, digital world. With a commitment to cutting-edge technology and exceptional …
Deb is revolutionizing global payments by incorporating, in a closed loop single source platform, cutting edge fintech payments technology that allows for the processing and movement of traditional fiat, digital and crypto currency worldwide for businesses and consumers alike. Through Deb Payments s…
The Deb Platform combines technology to provide the highest level of compliance and security required in this ever changing world of currency and payment movement worldwide.
Lastly, the Deb Platform provides very detailed and secure reporting both to businesses and individual clients, the best in class reporting tools in real time to maximize funds usage.
Controls & procedures
Text added vs the prior filing · source: 10-Q · 2026-09-21
Evaluation of Disclosure Controls and Procedures. Management, with the participation of the Company’s principal executive officer and principal financial officer, evaluated the effectiveness of the Company’s disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Se…
Material Weakness. In preparing this report, management identified a deficiency in the Company’s controls over the review and approval of related-party transactions, arising from the transfer of loan proceeds to the Company’s Chief Executive Officer described in Note 5, which was made without prior …
Remediation. Management has taken and is taking steps to remediate the material weakness, including: (i) entering into the Assumption, Indemnification and Pledge Agreement described in Note 9, under which the Chief Executive Officer has assumed the economic obligation of the OnDeck Loan, indemnified…
Changes in Internal Control over Financial Reporting. Except as described above, there were no changes in the Company’s internal control over financial reporting during the quarter ended July 31, 2026 that have materially affected, or are reasonably likely to materially affect, the Company’s interna…
Text removed vs the prior filing · source: 10-Q · 2026-06-17
Disclosure controls and procedures are controls and other procedures that are designed to ensure that information required to be disclosed in our reports filed or submitted under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported, within the time period specified in …
In connection with this quarterly report, as required by Rule 15d-15 under the Securities Exchange Act of 1934, we have carried out an evaluation of the effectiveness of the design and operation of our company’s disclosure controls and procedures. This evaluation was carried out under the supervisio…
There were no changes in our internal control over financial reporting (as defined in Rule 13a-15(f) or 15d-15(f)) during the quarter ended April 30, 2026 that have materially affected, or are reasonably likely to materially affect, our internal controls over financial reporting.
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice