# EDGAR Filing Document

**Accession Number:** 0001437517
**File Stem:** 0001493152-26-023656
**Filing Date:** 2026-5
**Character Count:** 72062
**Document Hash:** 60343143593157e3680dd9ebeffbfb1f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-26-023656.hdr.sgml**: 20260515

**ACCESSION NUMBER**: 0001493152-26-023656

**CONFORMED SUBMISSION TYPE**: 10-Q

**PUBLIC DOCUMENT COUNT**: 42

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260515

**DATE AS OF CHANGE**: 20260515

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CYBERLOQ TECHNOLOGIES, INC.
- **CENTRAL INDEX KEY:** 0001437517
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-PREPACKAGED SOFTWARE [7372]
- **ORGANIZATION NAME:** 06 Technology
- **EIN:** 262118480
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 10-Q
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-56264
- **FILM NUMBER:** 26986278

**BUSINESS ADDRESS:**
- **STREET 1:** 4837 SWIFT ROAD SUITE 210-1
- **CITY:** SARASOTA
- **STATE:** FL
- **ZIP:** 34231
- **BUSINESS PHONE:** 612-961-4536

**MAIL ADDRESS:**
- **STREET 1:** 4837 SWIFT ROAD SUITE 210-1
- **CITY:** SARASOTA
- **STATE:** FL
- **ZIP:** 34231

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** ADVANCED CREDIT TECHNOLOGIES INC
- **DATE OF NAME CHANGE:** 20080612

?xml version='1.0' encoding='ASCII'?

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 10-Q**

(Mark One)

**☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

For the quarterly period ended March 31, 2026

**or**

**☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

Commission File Number: 000-56264

**CYBERLOQ TECHNOLOGIES, INC.**

(Exact name of registrant as specified in its charter)

**Nevada**

(State or other jurisdiction of incorporation**)**

---

| | |
|:---|:---|
| **000-56264** | **26-2118480** |
| (Commission<br> File Number) | (IRS Employer<br> Identification No.) |

---

---

| | |
|:---|:---|
| **4837 Swift Road Suite 210-1 Sarasota FL** | **34231** |
| (Address of principal executive offices) | (Zip Code) |

---

Registrant's telephone number, including area code **(612)961-4536**

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| Common Stock | CLOQ | OTC QB |

---

Indicate by check mark if the registrant is a well-known seasoned issuer as defined in Rule 405 of the Securities Act.

Yes ☐ No ☒

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Yes ☐ No ☒

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

Yes ☒ No ☐

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of the registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this form 10-K or any amendment to this form 10-K.

Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.

---

| | |
|:---|:---|
| Large accelerated filer ☐ | Accelerated filer ☐ |
| Non-accelerated filer ☒ | Smaller reporting company ☒ |
| Emerging Growth Company ☐ |  |

---

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ☐ No ☒

APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE PRECEDING FIVE YEARS:

Indicate by check mark whether the registrant has filed all documents and reports required to be filed by Sections 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court.

Yes ☒ No ☐

APPLICABLE ONLY TO CORPORATE ISSUERS:

Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date.

As of the date of this filing, there were 140,512,254shares of the Issuer's common stock issued and outstanding and held by approximately 149 shareholders, six of which are deemed affiliates within the meaning of Rule 12b-2 under the Exchange Act.

As of the date of this filing, there were 27,750 shares of the Issuer's preferred stock issued and outstanding.

CyberloQ Technologies, Inc.

**FORM 10-Q**

For The Fiscal Quarter Ended March 31, 2026

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| [PART I — FINANCIAL INFORMATION](#aq_001) | 3 |
| &nbsp;&nbsp;&nbsp;[Item 1. Consolidated Condensed Financial Statements.](#aq_002) | F-1 |
| &nbsp;&nbsp;&nbsp;[Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations.](#aq_003) | 4 |
| &nbsp;&nbsp;&nbsp;[Item 3. Quantitative and Qualitative Disclosures About Market Risk.](#aq_004) | 6 |
| &nbsp;&nbsp;&nbsp;[Item 4. Controls and Procedures.](#aq_005) | 6 |
| [PART II — OTHER INFORMATION](#aq_006) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 1. Legal Proceedings.](#aq_007) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 1A. Risk Factors.](#aq_008) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.](#aq_009) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 3. Defaults Upon Senior Securities.](#aq_010) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 4. Other Information.](#aq_011) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 5. Exhibits.](#aq_012) | 8 |
| [SIGNATURES](#aq_013) | 9 |

---

**PART I**

**SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS**

This quarterly report on Form 10-Q and the documents incorporated by reference herein contain forward-looking statements that are not statements of historical fact and may involve a number of risks and uncertainties. These statements related to analyses and other information that are based on forecasts of future results and estimates of amounts not yet determinable. These statements may also relate to our future prospects, developments and business strategies. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to be materially different from any future results, levels of activity, performance, or achievements expressed or implied by forward-looking statements.

In some cases, you can identify forward-looking statements by terminology such as "may," "should," "expects," "plans," "anticipates," "believes," "estimates," "predicts," "potential," "proposed," "intended," or "continue" or the negative of these terms or other comparable terminology. You should read statements that contain these words carefully, because they discuss our expectations about our future operating results or our future financial condition or state other "forward-looking" information. There may be events in the future that we are not able to accurately predict or control. Before you invest in our securities, you should be aware that the occurrence of any of the events described in this quarterly report could substantially harm our business, results of operations and financial condition, and that upon the occurrence of any of these events, the trading price of our securities could decline and you could lose all or part of your investment. Although we believe that the expectations reflected in the forward-looking statements are reasonable, we cannot guarantee future results, growth rates, levels of activity, performance or achievements. We are under no duty to update any of the forward-looking statements after the date of this Annual Report to conform these statements to actual results.

The following factors are among those that may cause actual results to differ materially from our forward-looking statements:

● General economic and industry conditions;

● Out history of losses, deficits and negative operating cash flows;

● Our limited operating history;

● Industry competition;

● Environmental and governmental regulation;

● Protection and defense of our intellectual property rights;

● Reliance on, and the ability to attract, key personnel;

● Other factors including those discussed in "Risk Factors" in this quarterly report on Form 10-Q and our incorporated documents.

You should keep in mind that any forward-looking statement made by us in this quarterly report or elsewhere speaks only as of the date on which we make it. New risks and uncertainties arise from time to time, and it is impossible for us to predict these events or how they may affect us. We have no duty to, and do not intend to, update or revise the forward-looking statements in this annual report after the date of filing, except as may be required by law. In light of these risks and uncertainties, you should keep in mind that any forward-looking statement made in this annual report or elsewhere might not occur.

In this quarterly report on Form 10-Q, the terms "CLOQ," "Company," "we," "us" and "our" refer to CyberloQ Technologies, Inc.

**Item 1. CONSOLIDATED CONDENSED FINANCIAL STATEMENTS**

**CyberloQ Technologies, Inc.**

**CONSOLIDATED CONDENSED BALANCE SHEETS**

---

| | | |
|:---|:---|:---|
|  | March 31, 2026 | December 31, 2025 |
|  | (unaudited) |  |
| ASSETS |  |  |
| Current Assets |  |  |
| &nbsp;&nbsp;&nbsp;Cash | $10098 | $261987 |
| &nbsp;&nbsp;&nbsp;Deposits and prepaids | 33783 | 34620 |
| Total Current Assets | 43881 | 296607 |
| Fixed Assets |  |  |
| &nbsp;&nbsp;&nbsp;CyberloQ platform | 2336506 | 2186904 |
| &nbsp;&nbsp;&nbsp;Website | 12014 | 12741 |
| &nbsp;&nbsp;&nbsp;Patents | 28857 | 28857 |
| Total Fixed Assets | 2377377 | 2228502 |
| **Total Assets** | $2421258 | $2525109 |
| LIABILITIES AND STOCKHOLDERS' EQUITY |  |  |
| Current Liabilities |  |  |
| &nbsp;&nbsp;&nbsp;Accounts Payable and Accrued Expenses | $114898 | $158612 |
| &nbsp;&nbsp;&nbsp;Accrued interest | 718414 | 629690 |
| &nbsp;&nbsp;&nbsp;Note Payable – Stockholders | 135000 | 135000 |
| &nbsp;&nbsp;&nbsp;Note Payable – Related Party | 175000 | 175000 |
| &nbsp;&nbsp;&nbsp;Convertible debt – Stockholders, net | 3060000 | 3060000 |
| &nbsp;&nbsp;&nbsp;Loan payable - SBA | 2088 | 2088 |
| Total Current Liabilities | 4205400 | 4160390 |
| Long Term Liabilities |  |  |
| &nbsp;&nbsp;&nbsp;SBA Loan Payable | 30362 | 30362 |
| Total Long Term Liabilities | 30362 | 30362 |
| **Total Liabilities** | 4235762 | 4190752 |
| Commitments and Contingencies |  |  |
| Stockholders' Equity |  |  |
| &nbsp;&nbsp;&nbsp;Preferred stock, $0.001 par value, 80,000 shares authorized: 28,000 and 20,000 shares issued and outstanding, respectively | 28 | 20 |
| &nbsp;&nbsp;&nbsp;Common stock: $0.001 par value,200,000,000 shares authorized; 141,012,256 and 138,512,256 shares issued and outstanding, respectively | 141012 | 138512 |
| &nbsp;&nbsp;&nbsp;Treasury stock | (50000) | (50000) |
| &nbsp;&nbsp;&nbsp;Preferred shares to be issued: 0 and 5,250 |  | 56275 |
| &nbsp;&nbsp;&nbsp;Common shares to be issued: 1,850,000 and 1,450,000 common shares respectively | 189186 | 149186 |
| &nbsp;&nbsp;&nbsp;Additional Paid in Capital | 7899105 | 7800139 |
| &nbsp;&nbsp;&nbsp;Accumulated Deficit | (9993835) | (9759775) |
| **Total Stockholders' Equity** | (1814504) | (1665643) |
| **Total Liabilities and Stockholders' Equity** | $2421258 | $2525109 |

---

*See accompanying notes to financial statements*

**CyberloQ Technologies, Inc.**

**CONSOLIDATED CONDENSED STATEMENTS OF OPERATIONS**

---

| | | |
|:---|:---|:---|
|  | For the Three Months Ended <br> March 31, | For the Three Months Ended <br> March 31, |
|  | 2026 | 2025 |
|  | (unaudited) | (unaudited) |
| Operational Expense |  |  |
| &nbsp;&nbsp;&nbsp;Professional Fees | $80932 | $51552 |
| &nbsp;&nbsp;&nbsp;Officer's Compensation | 63000 | 163000 |
| &nbsp;&nbsp;&nbsp;Travel and Entertainment |  | 10119 |
| &nbsp;&nbsp;&nbsp;Rent | 2498 | 2450 |
| &nbsp;&nbsp;&nbsp;Computer and Internet | 27758 | 30143 |
| &nbsp;&nbsp;&nbsp;Office Supplies and Expenses | 4263 | 6904 |
| &nbsp;&nbsp;&nbsp;Other Operating Expenses | 5830 | 2824 |
| &nbsp;&nbsp;&nbsp;Amortization | 727 | - |
| Total Operating Expenses | 185008 | 266992 |
| Loss from Operations | (185008) | (266992) |
| Other Income (Expense) |  |  |
| &nbsp;&nbsp;&nbsp;Interest | (48753) | (74040) |
| &nbsp;&nbsp;&nbsp;Other income |  | 2 |
| &nbsp;&nbsp;&nbsp;Other expense | (299) |  |
| Total Other Income (Expenses) | (49052) | (74038) |
| Provision for Income Taxes |  |  |
| **Net Loss** | $(234060) | (341030) |
| Loss per common share-Basic and diluted | $(0.00) | (0.00) |
| Weighted Average Number of Common Shares Outstanding Basic and diluted | 141012256 | 131533921 |

---

*See accompanying notes to financial statements*

**CyberloQ Technologies, Inc.**

**CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (DEFICIT)**

**(unaudited)**

**From January 1, 2025 to March 31, 2026**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | Common | Common | | Preferred | Preferred | Preferred | Preferred | | | | |
|  | (Issued) | (Issued) | Common<br>(Unissued) | Stock | Stock | (Unissued) | (Unissued) | | | | |
|  | Shares | Amount | Amount | Shares | Amount | Shares | Amount | Add'l<br>Paid-In<br>Capital |<br>Treasury<br>Stock |<br>Accum.<br>Deficit |<br>Total |
| Balance, December 31, 2024 | 128789754 | $128790 | $169186 | 20000 | $20 |  | $- | $7395362 | $(50000) | $(8631886) | $(988528) |
| Common stock to be issued | 1000000 | 1000 | (20000) |  |  |  |  | 19000 |  |  |  |
| Common stock issued for cash | 2072500 | 2073 |  |  |  |  |  | 203928 |  |  | 206001 |
| Net loss, March 31, 2025 | - | - | - | - | - |  | - | - | - | (341030) | (341030) |
| Balance, March 31, 2025 | 131862254 | $131863 | $149186 | 20000 | $20 |  |  | $7618290 | $(50000) | $(8972916) | $(1123557) |
| Common stock issued for cash | 100000 | 100 |  |  |  |  |  | 9900 |  |  | 10000 |
| Common stock to be issued |  |  | 7500 |  |  |  |  |  |  |  | 7500 |
| Net loss, June 30, 2025 | - | - | - | - | - |  | - | - | - | (243102) | (243102) |
| Balance, June 30, 2025 | 131962254 | 131963 | 156868 | 20000 | 20 |  |  | 7628190 | (50000) | (9216018) | (1582273) |
| Common stock to be issued | 150000 | 150 | (7500) |  |  |  |  | 7350 |  |  |  |
| Preferred stock to be issued |  |  |  |  |  | 5000 | 7000 |  |  |  | 7000 |
| Common stock issued for cash | 1050000 | 1050 |  |  |  |  |  | 4950 |  |  | 6000 |
| Net loss, September 30, 2025 | - | - | - | - | - |  | - | - | - | (246114) | (246114) |
| Balance, September 30, 2025 | 133162254 | 133163 | 149368 | 20000 | 20 |  | 7000 | 7640490 | (50000) | (9462132) | (1582273) |
| Common stock issued for cash | 5350000 | 5350 |  |  |  |  |  | 159650 |  |  | 165000 |
| Preferred shares to be issued for convertible debt |  |  |  |  |  | 250 | 49275 |  |  |  | 49275 |
| Net loss, December 31, 2025 | - | - | - | - | - |  | - | - | - | (297643) | (297643) |
| Balance, December 31, 2025 | 138512254 | 138513 | 149186 | 20000 | 20 | 5250 | 56275 | 7800139 | (50000) | (9759775) | (1665643) |
| Common stock issued for cash | 2500000 | 2500 |  |  |  |  |  | 87500 |  |  | 90000 |
| Common stock to be issued |  |  | 40000 |  |  |  |  |  |  |  | 40000 |
| Preferred Shares issued |  |  |  | 7000 | 7 | (5000) | (7000) | 10011 |  |  | 3018 |
| Preferred shares issued for convertible debt |  |  |  | 750 | 1 | (250) | (49275) | 1455 |  |  | (47819) |
| Net loss, March 31, 2026 | - | - | - | - | - | - | - | - | - | (234060) | (234060) |
| Balance, March 31, 2026 | 141012254 | $141013 | $189186 | 27750 | $28 | - | $- | $7899105 | $(50000) | $(9993835) | $(1814504) |

---

*See accompanying notes to financial statements*

**CyberloQ Technologies, Inc.**

**CONSOLIDATED CONDENSED STATEMENTS OF CASH FLOWS**

**For the Three Months Ended March 31,**

---

| | | |
|:---|:---|:---|
|  | 2026 | 2025 |
|  | (unaudited) | (unaudited) |
| **OPERATING ACTIVITIES** |  |  |
| &nbsp;&nbsp;&nbsp;Net loss | $(234060) | $(341030) |
| &nbsp;&nbsp;&nbsp;Adjustments to reconcile net loss to net cash used in operating activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amortization | 727 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock compensation | (44801) |  |
| &nbsp;&nbsp;&nbsp;Change in Operating Assets and Liabilities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Decrease (increase) in accounts receivable |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Decrease (increase) in deposits and prepaids | 837 | (28520) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Increase (decrease) in accounts payable and accrued expenses | (43714) | 20690 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Increase (decrease) in accrued interest | 88724 | 73170 |
| Net Cash Used in Operating Activities | (232287) | (275690) |
| **INVESTING ACTIVITIES** |  |  |
| &nbsp;&nbsp;&nbsp;Software | (149602) | (132200) |
| &nbsp;&nbsp;&nbsp;Website |  | (1275) |
| &nbsp;&nbsp;&nbsp;Patents | - | (21497) |
| Net cash provided by (used) in investing activities | (149602) | (154972) |
| **FINANCING ACTIVITIES** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sale of common stock | 90000 | 206001 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sale of common stock to be issued | 40000 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Repayment of note payable | (100000) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from note payable-stockholders | 100000 | - |
| Net Cash Provided by Financing Activities | 130000 | 206001 |
| Net Increase (Decrease) in Cash and Equivalents | (251889) | (224661) |
| Cash and Equivalents at Beginning of the Period | 261987 | 282866 |
| Cash and Equivalents at End of the Period | $10098 | $58205 |
| **SUPPLEMENTAL CASH FLOW INFORMATION** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest Paid | $348 | $870 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income Taxes Paid | $— | $- |
| **NON-CASH DISCLOSURES** |  |  |
| Common stock issued for convertible debt | $- | $20000 |

---

*See accompanying notes to financial statements*

 

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Organization and Nature of Business

CyberloQ Technologies Inc. ("CLOQ", 'We" or the "Company") is a development-stage technology company focused on fraud prevention and credit management. The Company was originally incorporated as Advanced Credit Technologies, Inc. in the State of Nevada on February 25, 2008. On November 20, 2019, the Company changed its name from Advanced Credit Technologies, Inc. to CyberloQ Technologies, Inc.

The Company offers a proprietary software platform branded as CyberloQ®. While previously the Company licensed CyberloQ, in the third quarter of 2017, the Company acquired the CyberloQ technology and is now the exclusive owner of CyberloQ.

CyberloQ is a banking fraud prevention technology that is offered to institutional clients in order to combat fraudulent transactions and unauthorized access to customer accounts. Through the use of a customer's smart-phone, CyberloQ uses a multi-factor authentication system to control access to a bank card, transaction type or amount, website, database or digital service. The mobile applications for CyberloQ have been built and have been successfully integrated into the banking ecosystem.

The CyberloQ Vault is a "cloud based' security protocol that allows clients the ability to send/receive secure data without having to use traditional e-mail which is prone to a breach. This CyberloQ service uses cloud-based encryption and a secure web portal to send/receive confidential data, the sender and receiver both must have authenticated their position within the prescribed geo coordinates as well as authenticate their mobile devices prior to sending/receiving any data. Thus, rendering a hack or breach utterly useless for the encrypted data is unusable without the CyberloQ authentication component.

In addition to CyberloQ, the Company offers a web-based proprietary software platform under the brand name Turnscor<sup>®</sup> which allows customers to monitor and manage their credit from the privacy of their own homes. Although individuals can sign-up for Turnscor on their own, the Company also intends to market Turnscor to certain institutional clients, where appropriate, in conjunction with CyberloQ as a value-added benefit to offer their customers.

Basis of Presentation

The financial statements of the Company have been prepared using the accrual basis of accounting in accordance with generally accepted accounting principles in the United States of America and the rules of the Securities and Exchange Commission. All amounts are presented in U.S. dollars. The Company has adopted a December 31 fiscal year end.

Certain information and note disclosures normally included in our annual financial statements prepared in accordance with generally accepted accounting principles have been condensed or omitted. These consolidated financial statements should be read in conjunction with a reading of the financial statements and notes thereto included in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025, as filed with the U.S. Securities and Exchange Commission.

Principles of Consolidation – The consolidated financial statements include the accounts of the Company and its wholly-owned or controlled operating subsidiaries. All intercompany accounts and transactions have been eliminated.

Use of Estimates

In preparing these financial statements, management makes estimates and assumptions that affect the reported amounts of assets and liabilities in the balance sheets and revenues and expenses during the year reported. Actual results may differ from these estimates. The Company bases its estimates and assumptions on current facts, historical experience and various other factors that it believes to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities and the accrual of costs and expenses that are not readily apparent from other sources. The actual results experienced by the Company may differ materially and adversely from the Company's estimates. To the extent there are material differences between the estimates and the actual results, future results of operations will be affected.

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

Cash and Cash Equivalents

Cash equivalents are comprised of certain highly liquid investments with maturities of three months or less when purchased. The Company maintains its cash in bank deposit accounts, which at times may exceed federally insured limits. As of March 31, 2026, and December 31, 2025, the Company had $0 and $11,987 in deposits in excess of federally-insured limits.

Research and Development, Software Development Costs, and Internal Use Software Development Costs

Software development costs are accounted for in accordance with ASC Topic No. 985. Software development costs are capitalized once technological feasibility of a product is established and such costs are determined to be recoverable. For products where proven technology exists, this may occur very early in the development cycle. Factors we consider in determining when technological feasibility has been established include (i) whether a proven technology exists; (ii) the quality and experience levels of the individuals developing the software; (iii) whether the software is similar to previously developed software which has used the same or similar technology; and (iv) whether the software is being developed with a proven underlying engine. Technological feasibility is evaluated on a product-by-product basis. Capitalized costs for those products that are canceled or abandoned are charged immediately to cost of sales. The recoverability of capitalized software development costs is evaluated on the expected performance of the specific products for which the costs relate.

During the three months ended March 31, 2026, and 2025, we capitalized $149,601 and $132,200, respectively, of development costs for the CyberloQ platform and we expensed zero and zero, respectively, for expenditures on research and development. None was paid to related parties.

Internal use software development costs are accounted for in accordance with ASC Topic No. 350 which requires the capitalization of certain external and internal computer software costs incurred during the application development stage. The application development stage is characterized by software design and configuration activities, coding, testing and installation. Training costs and maintenance are expensed as incurred, while upgrades and enhancements are capitalized if it is probable that such expenditures will result in additional functionality.

In accounting for website software development costs, we have adopted the provisions of ASC Topic No. 350. ASC Topic No. 350 provides that certain planning and training costs incurred in the development of website software be expensed as incurred, while application development stage costs are to be capitalized. During the period ended September 30, 2023, the Company began capitalizing website development costs, for the three month period ended March 31, 2026 and 2025 we capitalized $0 and $1,275.

Fixed Assets, Intangibles and Long-Lived Assets

The Company records its fixed assets at historical cost. The Company expenses maintenance and repairs as incurred. Upon disposition of fixed assets, the gross cost and accumulated depreciation are written off and the difference between the proceeds and the net book value is recorded as a gain or loss on sale of assets. The Company depreciates its fixed assets over their respective estimated useful lives ranging from three to fifteen years.

The Company follows FASB ASC 360-10, *"Property, Plant, and Equipment,"* which established a "primary asset" approach to determine the cash flow estimation period for a group of assets and liabilities that represents the unit of accounting for a long-lived asset to be held and used. Long-lived assets to be held and used are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. The carrying amount of a long-lived asset is not recoverable if it exceeds the sum of the undiscounted cash flows expected to result from the use and eventual disposition of the asset. Long-lived assets to be disposed of are reported at the lower of carrying amount or fair value less cost to sell. As of December 31, 2020, the Company wrote-off the book value of the CyberloQ technology software fixed asset and recorded software impairment expense of $321,725. Even though the software asset was written-off as impaired as of December 31, 2020, the software asset continued to be functionable but required updating the software programming code to current technology standards. During 2021, the Company developed and implemented a business plan to fully update the CyberloQ Secure Solution and feasibility of the software to meet the demands of the market. As of January 1, 2022, the Company began capitalizing software costs which totaled $2,336,506 as of March 31, 2026.

Patent costs including those incurred to acquire patents, including legals costs, are capitalized and amortized using the straight line method over their estimated useful lives or statutory lives, whichever is shorter, and are reviewed for impairment upon any triggering event that may give rise to the assets ultimate recoverability as prescribed under the guidance related to impairment of long-lived assets. As of March 31, 2026, the Company has capitalized $28,857.

**CyberloQ Technologies, Inc.**

**NOTES TO** 

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

Fair Value Measurements

For certain financial instruments, including accounts receivable, accounts payable, accrued expenses, interest payable, advances payable and notes payable, the carrying amounts approximate fair value due to their relatively short maturities.

The Company has adopted FASB ASC 820-10, *"Fair Value Measurements and Disclosures."* FASB ASC 820-10 defines fair value, and establishes a three-level valuation hierarchy for disclosures of fair value measurement that enhances disclosure requirements for fair value measures. The carrying amounts reported in the consolidated balance sheets for receivables and current liabilities each qualify as financial instruments and are a reasonable estimate of their fair values because of the short period of time between the origination of such instruments and their expected realization and their current market rate of interest. The three levels of valuation hierarchy are defined as follows:

● Level
 1 inputs to the valuation methodology are quoted prices for identical assets or liabilities in active markets.

● Level
 2 inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that
 are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.

● Level
 3 inputs to the valuation methodology are unobservable and significant to the fair value measurement.

The Company did not identify any other non-recurring assets and liabilities that are required to be presented in the balance sheets at fair value in accordance with FASB ASC 815.

Segment Reporting

The Company has not yet begun generating revenue from its planned principal operation and operates as a single reportable segment. The principal executive officer of the Company is the chief operating decision maker who assesses performance based on total expenses, cash flows and progress made towards the CyberloQ Secure Solution.

Advertising

Advertising costs are expensed as incurred. Advertising expense for the three-months ended March 31, 2026, and 2025 were $362 and $1,384, respectively.

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

Earnings (Loss) Per Share

Earnings per share is calculated in accordance with the FASB ASC 260-10, "Earnings Per Share." Basic earnings (loss) per share is based upon the weighted average number of common shares outstanding. Diluted earnings (loss) per share is based on the assumption that all dilutive convertible shares and stock options were converted or exercised. Dilution is computed by applying the treasury stock method. Under this method, options and warrants are assumed to be exercised at the beginning of the period (or at the time of issuance, if later), and as if funds obtained thereby were used to purchase common stock at the average market price during the period.

At March 31, 2026 and December 31, 2025, the Company hasno warrants outstanding, 10,000,000 options outstanding, but none of them have vested, are not exercisable and therefore not included, and had 109,924,341 and 109,924,341 convertible debt shares irrespectively that could have been exercised and could have been dilutive to the existing number of shares issued and outstanding. The convertible debt shares were not included in the weighted average shares outstanding as they were anti-dilutive.

The computation of earnings per share of common stock is based on the weighted average number of shares outstanding at the date of the financial statements.

NOTE 2 – INTANGIBLE ASSETS

Software, website and patents, recorded at cost, consisted of the following:

---

| | | |
|:---|:---|:---|
|  | March 31, 2026 | December 31, 2025 |
| CyberloQ platform | $2336506 | $2186904 |
| Website | 14195 | 14195 |
| Patent | 28857 | 28857 |
| Less: accumulated amortization | (2181) | (1454) |
| Fixed assets, net | $2377377 | $2228502 |

---

Amortization expense was $2,181 and $1,454 at March 31, 2026 and December 31, 2025.

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

NOTE 3 – GOING CONCERN

The Company has incurred losses since Inception resulting in an accumulated deficit of $9,993,835 as of March 31, 2026 that includes a loss of $234,060 for the three months ended March 31, 2026. Further losses are anticipated in the development of its business. Accordingly, there is substantial doubt about the entity's ability to continue as a going concern within one year after the financial statements are issued.

The accompanying financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America, which contemplate continuation of the Company as a going concern. The financial statements do not include any adjustments relating to the recoverability and classification of recorded asset amounts or the amounts and classification of liabilities that could result from the outcome of this uncertainty.

The ability to continue as a going concern is dependent upon the Company generating profitable operations in the future and, or, obtaining the necessary financing to meet its obligations and repay its liabilities arising from normal business operations when they come due.

Management anticipates that the Company will be dependent, for the near future, on additional investment capital to fund operating expenses. The Company intends to position itself so that it may be able to raise additional funds through the capital markets. In light of management's efforts, there are no assurances that the Company will be successful in this or any of its endeavors or become financially viable and continue as a going concern.

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

NOTE 4 – STOCKHOLDERS' EQUITY

Common Stock

The Company has 300,000,000 shares of $.001 par value common stock authorized as of March 31, 2026 and 2025.

During the three month period ended March 31, 2026, the Company received $90,000 in payment for 2,500,000 shares of common stock and recorded 400,000 shares of stock for cash of $40,000 as "to be issued".

During the three month period ended March 31, 2025, the Company received $206,001 in payment for 2,072,500 shares of common stock and issued 1,000,000 shares of stock previously recorded as "to be issued".

Treasury Stock

The Company entered into a settlement agreement with a prior employee, officer and director resulting in treasury stock of 500,000 shares valued at $50,000.

Preferred Stock

The Company did not have any preferred stock prior to 2017. In April of 2017, the Company amended its articles of incorporation to create a new class of stock designated Series A Super Voting Preferred Stock consisting of thirty-thousand (30,000) shares at par value of $0.001 per share. Certain rights, preferences, privileges and restrictions were established for the Series A Preferred Stock as follows: (a) the amount to be represented in stated capital at all times for each share of Series A Preferred Stock shall be its par value of $0.001 per share; (b) except as otherwise required by law, holders of shares of Series A Preferred Stock shall vote together with the common stock as a single class and the holders of Series A Preferred Stock shall be entitled to five-thousand (5,000) votes per share of Series A Preferred Stock; and (c) in the event of any liquidation, dissolution or winding-up of the Company, either voluntary or involuntary, the holders of the Series A Preferred Stock shall be entitled to receive, prior and in preference to any distribution of assets of the Corporation to the holders of the common stock, the original purchase price paid for the Series A Preferred Stock. All 30,000 shares of the Series A Super Voting Preferred Stock were issued in 2017.

During the three month period ended March 31, 2026, the Company issued 5,750 shares of Series B Preferred Stock that had previously been recorded as "to be issued" and 2,000 shares for services valued at $3,018.

The shares previously recorded as "to be issued" for interest on notes were incorrectly valued in the fourth quarter of 2025. An entry to correct the error was recorded in the current period, as it was not determined to be material to the prior year financial statements. The correction resulted in a reduction of interest expense and additional paid in capital of $48,782

During the three month period ended March 31, 2025, the Company did not issue any shares of preferred stock.

Incentive Stock Options

The employment contracts for Christopher Jackson and Enrico Giordano include performance incentive stock options based upon the Company meeting certain performance conditions that can potentially result in the issuance of stock option awards of up to 5,000,000 shares each in the event that the Company reaches certain performance goals. Specifically, Christopher Jackson and Enrico Giordano each shall be entitled to receive ten (10) stock option awards of 500,000 shares of the Company's common stock each, upon the Company achieving certain milestones (the "ISO Awards"). The first ISO Award will vest upon the Company achieving (cumulatively) $1,000,000 in Gross Revenues, and each additional ISO Award will vest upon the Company achieving the next $1,000,000 increment in cumulative Gross Revenue up to a total of 5,000,000 shares each. The shares vest at 110% of the average closing bid price and must be exercised within five (5) years of the vesting date. To date, no ISO Award milestones have been achieved.

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

NOTE 5 – SBA EIDL Loan

On June 9, 2020, the Company received an Economic Injury Disaster Loan from the Small Business Administration in the amount of $35,600. The loan has a term of thirty years and an interest rate of 3.75% per annum. Payments in the amount of $174 monthly will begin twelve months from the date of the note. During the three months ended March 31, 2026 the Company paid $348 in interest.

SCHEDULE OF MATURITIES OF REPAYMENT OF LOAN

---

| | |
|:---|:---|
| Payment Obligations | Payment Obligations |
|  | Amount |
| 2026 | $2088 |
| 2027 | 2088 |
| 2028 | 2088 |
| 2029 to 2050 | 26186 |
| Total | $32450 |

---

NOTE 6 – RELATED PARTY TRANSACTIONS

Related Parties and Stockholders Notes Payable

The following is a summary of related party notes payable:

SCHEDULE OF RELATED PARTY LOANS PAYABLE

---

| | | |
|:---|:---|:---|
|  | For the Periods Ended | For the Periods Ended |
|  | March 31, 2026 | December 31, 2025 |
| Notes payable – stockholders | $135000 | $135000 |
| Convertible debt - stockholders | $3060000 | $3060000 |
| Notes payable – related parties | $175000 | $175000 |

---

Notes Payable - Stockholders

On December 29, 2014, the Company entered into a partially-convertible promissory note with a stockholder in the amount of $35,000. In January of 2015, the stockholder partially-exercised its conversion option, and in May of 2016 the stockholder exercised the remainder of its conversion option. In December 2017, the remaining unpaid principal and interest due on the note was settled in full for a $50,000 note and the Company recognized $151,324 in gain on settlement of debt. The $50,000 note has a current principal balance of $35,000, a stated interest rate of 0%, required payments of $5,000 on or before June 10, 2019, $5,000 on or before August 10, 2019 and the remainder due by the extended due date of September 15, 2019. As of March 31, 2026, the payments due have not been extended and the Company plans to repay the notes in 2026.

On February 18, 2026 , the Company entered into a promissory note with a stockholder in the amount of $100,000. The note has a maturity date of April 4, 2026 and no interest rate. The note is payable by paying the principal balance and 500 Series B Preferred Shares.

**CyberloQ Technologies, Inc.**

**NOTES TO CONSOLIDATED CONDENSED FINANCIAL STATEMENTS (unaudited)**

**For the Three Months Ended March 31, 2026**

Convertible Debt - Stockholders

SCHEDULE OF CONVERTIBLE DEBT - STOCKHOLDERS

---

| | | |
|:---|:---|:---|
|  | March 31, 2026 | December 31, 2025 |
| Principal | $3060000 | $3060000 |
| Adjustment for ASU 2020-06 | - | - |
| Convertible Debt - Stockholders, net | $3060000 | $3060000 |

---

As of March 31, 2026 the Company had the following convertible debt outstanding:

SCHEDULE OF CONVERTIBLE DEBT OUTSTANDING

---

| | | | |
|:---|:---|:---|:---|
| Issuance Date | Principal | Maturity Date | Conversion Terms |
| 12/26/2022 | 30000.00 | 12/16/2023 | 0.02 |
| 2/1/2023 | 10000.00 | 2/1/2024 | 0.02 |
| 2/1/2023 | 100000.00 | 2/2/2024 | 0.02 |
| 2/24/2023 | 50000.00 | 2/24/2024 | 0.02 |
| 4/4/2023 | 50000.00 | 4/4/2024 | 0.02 |
| 5/17/2023 | 45000.00 | 5/17/2024 | 0.02 |
| 5/17/2023 | 30000.00 | 5/17/2024 | 0.02 |
| 6/3/2023 | 50000.00 | 5/17/2024 | 0.02 |
| 6/5/2023 | 100000.00 | 6/5/2024 | 0.02 |
| 8/2/2023 | 50000.00 | 8/3/2024 | 0.02 |
| 8/3/2023 | 30000.00 | 8/3/2024 | 0.02 |
| 8/20/2023 | 45000.00 | 8/3/2024 | 0.02 |
| 8/29/2023 | 150000.00 | 8/27/2024 | 0.02 |
| 10/11/2023 | 10000.00 | 10/31/2024 | 0.02 |
| 10/11/2023 | 10000.00 | 10/31/2024 | 0.02 |
| 10/11/2023 | 10000.00 | 10/31/2024 | 0.02 |
| 10/11/2023 | 10000.00 | 10/31/2024 | 0.02 |
| 10/11/2023 | 10000.00 | 10/31/2024 | 0.02 |
| 10/23/2023 | 50000.00 | 10/31/2024 | 0.02 |
| 11/16/2023 | 60000.00 | 11/30/2024 | 0.02 |
| 12/18/2023 | 15000.00 | 12/31/2024 | 0.02 |
| 12/19/2023 | 15000.00 | 12/31/2024 | 0.02 |
| 12/20/2023 | 10000.00 | 12/31/2024 | 0.02 |
| 12/21/2023 | 10000.00 | 12/31/2024 | 0.02 |
| 12/22/2023 | 10000.00 | 12/31/2024 | 0.02 |
| 12/26/2023 | 300000.00 | 12/31/2024 | 0.02 |
| 1/6/2024 | 10000.00 | 1/11/2025 | 0.02 |
| 4/1/2024 | 26859.00 | 4/30/2025 | 0.02 |
| 4/1/2024 |  | 4/30/2025 | 0.02 |
| 5/20/2024 | 100000.00 | 5/20/2025 | 0.02 |
| 5/20/2024 | 100000.00 | 5/20/2025 | 0.02 |
| 8/21/2024 | 100000.00 | 8/21/2025 | 0.02 |
| 8/21/2024 | 100000.00 | 8/21/2025 | 0.02 |
| 8/22/2024 | 100000.00 | 8/22/2025 | 0.02 |
| 10/10/2024 | 20000.00 | 10/31/2025 | 0.02 |
| 10/18/2024 | 20000.00 | 10/31/2025 | 0.02 |
| 11/8/2024 | 50000.00 | 11/8/2025 | 0.10 |
| 12/9/2024 | 20000.00 | 12/9/2025 | 0.02 |
| 12/19/2024 | 250000.00 | 12/19/2025 | 0.10 |
| 04/03/2025 | 123141.47 | 4/03/2026 | 0.10 |
| 05/19/2025 | 100000 | 5/19/2026 | 0.05 |
| 06/24/2025 | 30000 | 6/25/2026 | 0.05 |
| 06/26/2025 | 40000 | 6/26/2026 | 0.05 |
| 06/30/2025 | 10000 | 6/30/2026 | 0.05 |
| 07/30/2025 | 100000 | 7/30/2025 | 0.05 |
| 08/20/2025 | 200000 | 8/20/2026 | .05 |
| 12/19/2025 | 300000 | 12/19/2026 | 0.10 |
| Total | 3060000 |  |  |

---

Notes Payable - Related Parties

On July 8, 2025, the Company entered into a Promissory Note with a director of the Company in the amount of $25,000. The maturity date of the note is July 8, 2026 and bears no interest.

On December 31, 2021, the Company entered into a loan modification agreement with a director which consolidated three outstanding promissory notes dated August 8, 2020, September 9, 2020, and December 28, 2020 into one loan. The total amount borrowed is $150,000, with an interest rate of 12.5% and a maturity date of April 1, 2023. The Company was required to pay an extension penalty in the amount of $2,500. On September 30, 2022, the Company entered into a second loan modification agreement with the director extending the maturity date to January 1, 2024. Additionally, the Company will begin paying quarterly installments in the amount of $50,000 plus accrued interest beginning December 1, 2023. On September 30, 2023, the Company entered into a second loan modification agreement with the director extending the maturity date to August 1, 2024. Additionally, the Company paid $7,500 in accrued interest and will begin paying $50,000 plus accrued interest beginning December 1, 2023. On July 2, 2024, the Company entered into third loan modification agreement extending the maturity date to December 31, 2024. The Company was required to pay an extension penalty in the amount of $7,500. On December 19, 2024, the Company entered into a fourth loan modification agreement with the estate of the director extending the maturity date to April 15, 2025. The Company was required to pay an extension penalty in the amount of $7,500. On May 6, 2025, the Company entered into a fifth loan modification agreement with the estate of the director in which the Company will make quarterly interest payments of $7,500, any additional payments will be applied to the outstanding principal. So long as the quarterly interest payments are made the terms will be in effect until the note and accrued interest are paid in full.

NOTE 7 – SUBSEQUENT EVENTS

The Company is not aware of any other subsequent events through the date of this filing that require disclosure or recognition in these financial statements.

**Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations**

*The following discussion is intended to assist you in understanding our business and the results of our operations. It should be read in conjunction with the Condensed Financial Statements and the related notes that appear elsewhere in this report as well as our Report on Form 10K filed with the Securities and Exchange Commission for the period ending December 31, 2025. Statements made in this Form 10-Q that are not historical or current facts are "forward-looking statements". These statements often can be identified by the use of terms such as "may," "will," "expect," "believe," "anticipate," "estimate," "approximate" or "continue," or the negative thereof. We wish to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. Any forward-looking statements represent management's best judgment as to what may occur in the future. However, forward-looking statements are subject to risks, uncertainties and important factors beyond our control that could cause actual results and events to differ materially from historical results of operations and events and those presently anticipated or projected. We disclaim any obligation subsequently to revise any forward-looking statements to reflect events or circumstances after the date of such statement or to reflect the occurrence of anticipated or unanticipated events.*

***Company History***

CyberloQ Technologies Inc. ("CLOQ", 'We" or the "Company") was incorporated in Nevada on February 5, 2008 as Advanced Credit Technologies, Inc. The Company changed its name to CyberloQ Technologies, Inc. on November 20, 2019. The Company has never been the subject of any bankruptcy, receivership or similar proceeding. The Company has never been involved in any material reclassification, merger, or consolidation.

On June 15, 2017, the Company created a private limited company in the United Kingdom named CyberloQ Technologies LTD. CyberloQ Technologies LTD is a wholly-owned subsidiary of the Company, and any business that the Company has in the United Kingdom will be transacted through CyberloQ Technologies LTD. However, to date CyberloQ Technologies LTD has had no activity, operational or otherwise and is now dissolved.

***Current Overview of the Company***

The Company is a development-stage technology company focused on fraud prevention and credit management.

The Company offers a proprietary software platform branded as CyberloQ®. While previously the Company licensed CyberloQ, in the third quarter of 2017, the Company acquired the CyberloQ technology and is now the exclusive owner of CyberloQ.

CyberloQ is a MFA (Multi Factor Authentication) protocol technology that is offered to institutional clients in order to combat fraudulent transactions and unauthorized access to customer accounts or any digital asset. Through the use of a customer's smart-phone, CyberloQ uses a multi-factor authentication system to control access to a bank card, transaction type or amount, website, database or digital service. The mobile applications for CyberloQ have been built, and have been successfully integrated into the banking ecosystem. The Company has also updated the entire infrastructure, UI/UX and streamlined the deliverable services per strategic partnerships with clients in multiple channels in order to increase the scalability of the original platform.

In addition to CyberloQ, the Company offers a web-based proprietary software platform under the brand name TurnScor® which allows customers to monitor and manage their credit from the privacy of their own homes. Although individuals can sign-up for TurnScor on their own, the Company also intends to market TurnScor to certain institutional clients, where appropriate, in conjunction with CyberloQ as a value-added benefit to offer their customers.

The CyberloQ Vault is a "cloud based' security protocol that allows clients the ability to send/receive secure data without having to use traditional e-mail which is prone to a breach. This CyberloQ service uses cloud-based encryption and a secure web portal to send/receive confidential data, the sender and receiver both must have authenticated their position within the prescribed geo coordinates as well as authenticate their mobile devices prior to sending/receiving any data. Thus, rendering a hack or breach utterly useless for the encrypted data is unusable without the CyberloQ authentication component.

The Company currently has two full-time employees — its President and Vice-President. There are no other employees of the Company at this time.

The Company also has a Board of Advisors comprised of individuals from the banking, business development, and technical sectors to advise the Company as it moves forward with its business strategy. The Board of Advisors does not have any decision-making authority.

***Liquidity, Capital Resources and Material Changes in Financial Condition***

As of March 31, 2026, the Company's assets were $2,421,258 compared to $2,525,109 in assets as of December 31, 2025.

This change in the Company's financial condition can be primarily attributed to a decrease in cash from $261,987 as of December 31, 2025 to $10,098 as of March 31, 2026. This reduction in current assets was partially offset by an increase in intangible assets of $149,602 due to the capitalization of the CyberloQ Platform, website development, the acquisition of patents, and a decrease in the Company's prepaid expense from $34,620 to $33,783.

As of March 31 2026, the Company's liabilities were $4,235,762 compared to $4,190,752 in liabilities as of December 31, 2025. This change in the Company's financial condition can be primarily attributed to a decrease of $43,714 in accounts payable and accrued expenses, along with an increase of $88,724 in accrued interest.

Net cash used in operating activities for the three-month period ending March 31, 2026, was $232,287 compared to $275,690 for 2025. Cash provided by or used by operating activities is driven by our net loss and adjusted by noncash items as well as changes in operating assets and liabilities. At March 31, 2026, there is a negative $44,801 in stock compensation resulting preferred shares issued for services of $3,018 and by a correcting entry for the reduction in valuation of preferred shares issued for interest in Quarter 4, 2025 of $47,819 and a positive $727 in amortization in non cash adjustments.

Net cash used by investing activities was $149,602 for the three months ended March 31, 2026 as compared to $154,972 for 2025.

Net cash provided by financing activities was $130,000 for the three months ended March 31, 2026 as compared to $206,001 for 2025.

***Results of Operations for the Three Months Ended March 31, 2026 and 2025***

The Company had no revenue for the three months ended March 31, 2026 and 2025

The Company's operating expenses were $185,008 for the three months ended March 31, 2026 as compared to $266,992 for the three months ended March 31, 2025. This decrease in operating expenses was primarily due to an increase in professional fees which was $80,932 for the three months ended March 31, 2026 compared to $51,552 for the three months ended March 31, 2025. This increase in professional fees was related to the Company's issuance of Series B Preferred shares issued for services. This was partially offset by a decrease in officers' compensation which was $63,000 for the three months ended March 31, 2026 as compared to $163,000 for the three months ended March 31, 2025 which was due to one-time bonuses that were paid to officers' in the first quarter of 2025.

In addition, the Company experienced changes in expense categories as noted below.

Travel expenses were $0 for the three months ended March 31, 2026 as compared to $10,119 for the three months ended March 31, 2025.

Other operating expenses were $5,830 for the three months ended March 31, 2026 as compared to $2,824 for the three months ended March 31, 2025.

There was a decrease in computer and internet expense which was $27,758 for the three months ended March 31, 2026 compared to $30,143 for the three months ended March 31, 2025.

Office supplies and expenses were $4,263 for the three months ended March 31, 2026 as compared to $6,904 for the three months ended March 31, 2025.

Finally, there were no material changes in the Company's rent and amortization expenses in the three months ended March 31, 2026 as compared to the three months ended March 31, 2025.

As a result of the foregoing, the Company experienced a net loss from operations of $185,008 in the three months ended March 31, 2026 compared to a net loss from operations of $266,992 in the three months ended March 31, 2025.

**Item 3. Quantitative and Qualitative Disclosures About Market Risk**

The Company qualifies as a smaller reporting company as defined by §229.10(f)(1) and therefore is not required to provide the information required by this Item.

**ITEM 4. CONTROLS AND PROCEDURES**

Our management is responsible for establishing and maintaining a system of disclosure controls and procedures (as defined in Rule 13a-15(e) and 15d-15(e) under the Exchange Act) that is designed to ensure that information required to be disclosed by us in the reports that we file or submit under the Exchange Act is recorded, processed, summarized and reported, within the time periods specified in the Commission's rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed by an issuer in the reports that it files or submits under the Exchange Act is accumulated and communicated to the issuer's management, including its principal executive officer or officers and principal financial officer or officers, or persons performing similar functions, as appropriate to allow timely decisions regarding required disclosure.

An evaluation was conducted under the supervision and with the participation of our management of the effectiveness of the design and operation of our disclosure controls and procedures as of March 31, 2026 in accordance with Committee of Sponsoring Organizations of the Treadway Commission's 2013 Integrated Framework. Based on that evaluation, our management concluded that our disclosure controls and procedures were not effective as of such date to ensure that information required to be disclosed in the reports that we file or submit under the Exchange Act, is recorded, processed, summarized and reported within the time periods specified in SEC rules and forms. In addition, due to its current size, the Company currently does not have sufficient staff to maintain appropriate segregation of duties, as it pertains to application and oversight of internal control processes. Material weaknesses have previously been identified, including lack of segregation of duties and lack of formal written policies and procedures surrounding financial close and reporting. However, the Company anticipates that as it grows and formalizes its internal control processes and procedures, it will add sufficient staff to perform internal control processes, as well as adequately provided oversight to ensure processes are working as designed. Such officer also confirmed that there was no change in our internal control over financial reporting during the three-month period ended March 31, 2026 that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.

**PART II**

**OTHER INFORMATION**

**Item 1. Legal Proceedings**

The Company is not currently a party to any legal proceedings, nor is the Company a party to any administrative proceedings.

In addition, the Company's officers and directors have not been convicted in any criminal proceedings nor have they been permanently or temporarily enjoined, barred, suspended or otherwise limited from involvement in any type of securities or banking activities.

**Item 1A. Risk Factors**

The Company qualifies as a smaller reporting company as defined by §229.10(f)(1) and therefore is not required to provide the information required by this Item. However, the Company does acknowledge that there are risks associated with the business of the Company.

We will be competing with a variety of companies, many of which have significantly greater financial, technical, marketing and other resources than us. If we fail to attract and retain a large base of customers for our products, or if our competitors establish a more prominent market position relative to ours, this will inhibit our ability to grow and successfully execute our business plan. For example, Wells Fargo has introduced an "on/off" feature for their customers, Discover Card has "Freeze It" functionality, and Ondot Systems has already been operating in the mobile card security space for quite some time. However, the Company believes that the multi-purpose functionality of CyberloQ, along with its multi-purpose applications will give the Company a distinct advantage by comparison. CyberloQ can be used in the banking system to protect debit/credit cards, in the health care industry to protect PII (Personal Identifying Information) now that medical records are kept digitally, and can protect corporate data bases in any industry from outside intrusion via geo-fencing. The Company believes that these distinct features, along with the ability to "White Label" the technology for marketing partners, give the Company a distinction in the marketplace. However, there can be no assurance that we will be able to successfully compete with other companies in the marketplace.

In addition, the Company could incur increased costs, decreased revenue, or suffer reputational damage in the event of a cyber-attack. The Company's business involves the collection, storage, processing and transmission of customers' personal data, including financial information. In the event that the Company's security measures are breached due to human error, malfeasance, system errors or vulnerabilities, or other irregularities, such breach could adversely affect our business through possible interruption of the Company's operations, improper disclosure of data, damage to the Company's reputation, and/or legal exposure.

**Item 2. UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS**

During the first three months of 2026, the Company raised $90,000 for the operations of the Company through the unregistered sale of 2,500,000 shares of restricted common stock.

All of the shares described above were issued by the Company in reliance upon an exemption from the registration requirements of the Securities Act of 1933, as amended, provided by Section 4(2). All of the purchasers of the unregistered securities were all known to us and our management, through pre-existing business relationships, as long standing business associates, friends, and employees. All purchasers were provided access to all public material information, which they requested, and all information necessary to verify such information and were afforded access to our management in connection with their purchases. All purchasers of the unregistered securities acquired such securities for investment and not with a view toward distribution, acknowledging such intent to us. All certificates or agreements representing such securities that were issued contained restrictive legends, prohibiting further transfer of the certificates or agreements representing such securities, without such securities either being first registered or otherwise exempt from registration in any further resale or disposition.

**ITEM 3. DEFAULTS UPON SENIOR SECURITIES**

The Company is not in default on any financing arrangements at this time.

**ITEM 4. OTHER INFORMATION**

There exists no information required to be disclosed by us in a report on Form 8-K during the three-months ended March 31, 2026, but not reported.

**ITEM 5. EXHIBITS**

Exhibits have been filed separately with the United States Securities and Exchange Commission in connection with the quarterly report on Form 10-Q or have been incorporated into the report by reference.

---

| | |
|:---|:---|
| Exhibit | Description |
| 3.1(i) | [Articles of Incorporation\*](https://www.sec.gov/Archives/edgar/data/1437517/000110801710000282/ex31.htm) |
| 3.2(i) | [Amended Articles of Incorporation dated May 4, 2010\*](https://www.sec.gov/Archives/edgar/data/1437517/000110801711000032/ex311.htm) |
| 3.3(i) | [Amended Articles of Incorporation dated May 5, 2017\*\*](https://www.sec.gov/Archives/edgar/data/1437517/000101054917000164/ex33.htm) |
| 3.4(i) | [Amended Articles of Incorporation dated November 20, 2019\*\*\*](https://www.sec.gov/Archives/edgar/data/1437517/000149315224033230/ex3-4i.htm) |
| 3.4(ii) | [By-Laws\*\*\*\*](https://www.sec.gov/Archives/edgar/data/1437517/000101054917000418/ex3.htm) |
| 14.1 | [Code of Ethics\*\*\*\*](https://www.sec.gov/Archives/edgar/data/1437517/000101054917000418/ex141.htm) |
| 14.2 | [Related-Party Transactions Policy\*\*\*\*](https://www.sec.gov/Archives/edgar/data/1437517/000101054917000418/ex142.htm) |
| 14.3 | [Anti-Corruption Policy\*\*\*\*](https://www.sec.gov/Archives/edgar/data/1437517/000101054917000418/ex143.htm) |
| 16.1 | [Letter re Change in Certifying Accountant \*\*\*\*\*](https://www.sec.gov/Archives/edgar/data/1437517/000101054917000191/ex161.htm) |
| 31.1 | [Rule 13a-14(a) / 15d-14(a) Certification of Principal Executive Officer & Principal Financial Officer.\*\*\*\*\*\*](ex31-1.htm) |
| 32.1 | [Section 1350 Certification of the Principal Executive Officer & Principal Financial Officer.\*\*\*\*\*\*](ex32-1.htm) |
| 101.1 | Interactive data files pursuant to Rule 405 of Regulation S-T.\*\*\*\*\*\*\* |
| 101.INS | Inline XBRL Instance Document |
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document |
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |
| \* | Incorporated by reference through the Registration Statement on form S-1 filed with the Commission on October 26, 2010. (101141203) |
| \*\* | Incorporated by reference through the Quarterly Report on form 10-Q filed with the Commission on May 11, 2017. (17832815) |
| \*\*\* | Incorporated by reference through the Quarterly Report on form 10-Q filed with the Commission on August 20, 2024. (_____________) |
| \*\*\*\* | Incorporated by reference through the Current Report on form 8-K filed with the Commission on November 6, 2017. |
| \*\*\*\*\* | Incorporated by reference through the Current Report on form 8-K filed with the Commission on May 19, 2017. |
| \*\*\*\*\*\* | Filed herewith. In addition, in accordance with SEC Release 33-8238, Exhibits 32.1 and 32.2 are being furnished and not filed. |
| \*\*\*\*\*\*\* | Furnished herewith. XBRL (Extensible Business Reporting Language) information is furnished and not filed for purposes of Sections 11 or 12 of the Securities Act of 1933, as amended, is deemed not filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and otherwise is not subject to liability under these sections. |

---

**SIGNATURES**

In accordance with Section 13 or 15(d) of the Exchange Act, the registrant caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

---

| | |
|:---|:---|
| **CYBERLOQ TECHNOLOGIES, INC.** | **CYBERLOQ TECHNOLOGIES, INC.** |
| By: | */s/ Christopher Jackson* |
|  | Christopher Jackson |
|  | President, Secretary, Treasurer and Director |
|  | Principal Executive Officer |
|  | Principal Financial Officer |
|  | Date: May 15, 2026 |

---

Pursuant to the requirements of the Securities Act of 1933, this report has been signed by the following persons in the capacities and on the dates indicated.

---

| | |
|:---|:---|
| **CYBERLOQ TECHNOLOGIES, INC.** | **CYBERLOQ TECHNOLOGIES, INC.** |
| By: | */s/ Enrico Giordano* |
|  | Enrico Giordano, Director |
|  | Date: May 15, 2026 |
| By: | */s/ Leon Hurst* |
|  | Leon Hurst, Director |
|  | Date: May 15, 2026 |
| By: | */s/ Christopher Jackson* |
|  | Christopher Jackson, Director |
|  | Date: May 15, 2026 |

---

## Exhibit 31.1

**Exhibit 31.1**

**CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES OXLEY ACT OF**

**2002 AND RULE 13A-14 OF THE EXCHANGE ACT OF 1934**

I, Christopher Jackson, certify that:

1. I
 have reviewed this quarterly report on Form 10-Q of CyberloQ Technologies, Inc.;

2. Based
 on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary
 to make the statement made, in light of the circumstances under which such statements were made, not misleading with respect to the
 period covered by this report;

3. Based
 on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material
 respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in
 this report;

4. As
 certifying officer, I am responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange
 Act Rules 13a-15(e) and 15d-15(e)) and internal controls over financial reporting (as defined in Exchange Act Rules 13a-15(f) and
 15d015f)) for the registrant and have:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) designed
 such disclosure controls and procedures, or caused such internal control over financial reporting to be designed under our supervision,
 to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others
 within those entities, particularly during the period in which this report is being prepared;

(b) designed
 such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our
 supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements
 for external purposes in accordance with generally accepted accounting principles;

(c) evaluated
 the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about
 the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation;
 and

(d) disclosed
 in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's
 most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected,
 or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and

2. As
 certifying officer, I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's
 auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) all
 significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are
 reasonably likely; and

(b) any
 fraud, whether or not material, that involves management or other employees who have a significant role in the Registrant's
 internal control over financial reporting.

---

| | | |
|:---|:---|:---|
|  | **CYBERLOQ TECHNOLOGIES, INC.** | **CYBERLOQ TECHNOLOGIES, INC.** |
|  | By: | */s/ Christopher Jackson* |
|  |  | Christopher Jackson |
| Date: May 15, 2026 |  | President, Treasurer, Secretary,<br> Principal Executive Officer and<br> Principal Financial Officer |

---

## Exhibit 32.1

**Exhibit 32.1**

**CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER**

**PURSUANT TO 18 U.S. C. SECTION 1350**

**AS ADOPTED PURSUANT TO**

**SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002**

In connection with the Quarterly Report of CyberloQ Technologies, Inc., (the "Company") on Form 10-Q for the period ended March 31, 2026 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Christopher Jackson, President, Treasurer, Secretary and Principal Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:

1. The
 Report fully complies with the requirements of Section 13 (a) or 15 (d) of the Securities Exchange Act of 1934; and

2. The
 information contained in the Report fairly presents, in all material respects, the financial condition and results of operations
 of the Company.

---

| | | |
|:---|:---|:---|
|  | **CYBERLOQ TECHNOLOGIES, INC.** | **CYBERLOQ TECHNOLOGIES, INC.** |
|  | By: | */s/ Christopher Jackson* |
|  |  | Christopher Jackson |
| Date: May 15, 2026 |  | President, Treasurer, Secretary,<br> Principal Executive Officer and<br> Principal Financial Officer |

---