# EDGAR Filing Document

**Accession Number:** 0001437517
**File Stem:** 0001493152-25-023235
**Filing Date:** 2025-11
**Character Count:** 91522
**Document Hash:** 7d6f8d6868abb1f139de0962ae9ae59d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001493152-25-023235.hdr.sgml**: 20251114

**ACCESSION NUMBER**: 0001493152-25-023235

**CONFORMED SUBMISSION TYPE**: 10-Q

**PUBLIC DOCUMENT COUNT**: 52

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251114

**DATE AS OF CHANGE**: 20251114

**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:** 251483730

**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 September 30, 2025

**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 132,712,254 shares of the Issuer's common stock issued and outstanding and held by approximately 144 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 20,000 shares of the Issuer's preferred stock issued and outstanding.

CyberloQ Technologies, Inc.

**FORM 10-Q**

For The Fiscal Quarter Ended September 30, 2025

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| [PART I — FINANCIAL INFORMATION](#y_001) | 3 |
| &nbsp;&nbsp;&nbsp;[Item 1. Consolidated Condensed Financial Statements.](#y_002) | F-1 |
| &nbsp;&nbsp;&nbsp;[Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations.](#y_003) | 4 |
| &nbsp;&nbsp;&nbsp;[Item 3. Quantitative and Qualitative Disclosures About Market Risk.](#y_004) | 6 |
| &nbsp;&nbsp;&nbsp;[Item 4. Controls and Procedures.](#y_005) | 6 |
| [PART II — OTHER INFORMATION](#y_006) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 1. Legal Proceedings.](#y_007) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 1A. Risk Factors.](#y_008) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.](#y_009) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 3. Defaults Upon Senior Securities.](#y_010) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 4. Other Information.](#y_011) | 7 |
| &nbsp;&nbsp;&nbsp;[Item 5. Exhibits.](#y_012) | 8 |
| [SIGNATURES](#y_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 Quarterly 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;

● Our 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. and its wholly-owned subsidiary CyberloQ Technologies, LTD.

**Item 1. CONSOLIDATED CONDENSED FINANCIAL STATEMENTS**

**CyberloQ Technologies, Inc.**

**CONSOLIDATED CONDENSED BALANCE SHEETS**

---

| | | |
|:---|:---|:---|
|  | September 30, 2025 | December 31, 2024 |
|  | (unaudited) | |
| ASSETS |  |  |
| Current Assets |  |  |
| &nbsp;&nbsp;&nbsp;Cash | $102626 | $282866 |
| &nbsp;&nbsp;&nbsp;Deposits and prepaids | 43474 | 6964 |
| Total Current Assets | 146100 | 289830 |
| Fixed Assets |  |  |
| &nbsp;&nbsp;&nbsp;CyberloQ platform | 1992721 | 1545421 |
| &nbsp;&nbsp;&nbsp;Website | 13468 | 7450 |
| &nbsp;&nbsp;&nbsp;Patents | 21497 | - |
| Total Fixed Assets | 2027686 | 1552871 |
| **Total Assets** | $2173786 | $1842701 |
| LIABILITIES AND STOCKHOLDERS' EQUITY |  |  |
| Current Liabilities |  |  |
| &nbsp;&nbsp;&nbsp;Accounts Payable and Accrued Expenses | $89363 | $24452 |
| &nbsp;&nbsp;&nbsp;Accrued interest | 584246 | 352468 |
| &nbsp;&nbsp;&nbsp;Note Payable – Stockholders | 35000 | 35000 |
| &nbsp;&nbsp;&nbsp;Note Payable – Related Party | 150000 | 150000 |
| &nbsp;&nbsp;&nbsp;Convertible debt – Stockholders | 2865000 | 2236859 |
| &nbsp;&nbsp;&nbsp;Loan payable - SBA | 2088 | 2088 |
| Total Current Liabilities | 3725697 | 2800867 |
| Long Term Liabilities |  |  |
| &nbsp;&nbsp;&nbsp;SBA Loan Payable | 30362 | 30362 |
| Total Long Term Liabilities | 30362 | 30362 |
| **Total Liabilities** | 3756059 | 2831229 |
| Commitments and Contingencies |  |  |
| Stockholders' Equity |  |  |
| &nbsp;&nbsp;&nbsp;Common stock: $0.001 par value,200,000,000 shares authorized; 133,162,254 and 128,789,754 shares issued and outstanding, respectively | 133163 | 128790 |
| &nbsp;&nbsp;&nbsp;Preferred Stock, Series A $0.001 per value - 30,000 shares authorized; 20,000 issued and outstanding | 20 | 20 |
| &nbsp;&nbsp;&nbsp;Treasury stock | (50000) | (50000) |
| &nbsp;&nbsp;&nbsp;Shares to be issued: Common:1,450,000 and 2,450,000 common shares respectively. Preferred, Series B:5,000 and 0 respectively | 156186 | 169186 |
| &nbsp;&nbsp;&nbsp;Additional Paid in Capital | 7640490 | 7395362 |
| &nbsp;&nbsp;&nbsp;Accumulated Deficit | (9462132) | (8631886) |
| **Total Stockholders' Equity** | (1582273) | (988528) |
| **Total Liabilities and Stockholders' Equity** | $2173786 | $1842701 |

---

*See accompanying notes to financial statements*

**CyberloQ Technologies, Inc.**

**CONSOLIDATED CONDENSED STATEMENTS OF OPERATIONS**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | Three Months Ended <br> September 30, | Three Months Ended <br> September 30, | Nine Months Ended <br> September 30 | Nine Months Ended <br> September 30 |
|  | 2025 | 2024 | 2025 | 2024 |
|  | (unaudited) | (unaudited) | (unaudited) | (unaudited) |
| Revenue |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Service Revenue | $- | $- | $- | $- |
| &nbsp;&nbsp;&nbsp;License fees | - | - | - | 15000 |
| Total Revenue |  |  |  | 15000 |
| Operational Expense |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Professional Fees | 51388 | 60162 | 164729 | 228486 |
| &nbsp;&nbsp;&nbsp;Officer's Compensation | 63000 | 60000 | 289000 | 182500 |
| &nbsp;&nbsp;&nbsp;Travel and Entertainment | 149 | 1779 | 10488 | 6510 |
| &nbsp;&nbsp;&nbsp;Rent | 2573 | 2580 | 7635 | 7405 |
| &nbsp;&nbsp;&nbsp;Computer and Internet | 16238 | 15664 | 73576 | 33443 |
| &nbsp;&nbsp;&nbsp;Office Supplies and Expenses | 4097 | 2897 | 14077 | 10216 |
| &nbsp;&nbsp;&nbsp;Other Operating Expenses | 13123 | 1283 | 21326 | 48859 |
| &nbsp;&nbsp;&nbsp;Amortization | 727 | - | 727 | - |
| Total Operating Expenses | 151295 | 144365 | 581558 | 517419 |
| Loss from Operations | (151295) | (144365) | (581558) | (502419) |
| Other Income (Expense) |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Interest | (94819) | (71535) | (248692) | (178275) |
| &nbsp;&nbsp;&nbsp;Other income | - | - | 2 | - |
| Total Other Income (Expenses) | (94819) | (71535) | (248690) | (178275) |
| Provision for Income Taxes |  |  |  |  |
| **Net Loss** | $(246114) | (215900) | (830248) | (680694) |
| Loss per common share-Basic and diluted | $(0.00) | (0.00) | (0.01) | (0.01) |
| Weighted Average Number of Common Shares Outstanding Basic and diluted | 132795587 | 125636756 | 132097254 | 125539756 |

---

*See accompanying notes to financial statements*

**CyberloQ Technologies, Inc.**

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

**(unaudited)**

**From January 1, 2024 to September 30, 2025**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | Common | Common | | Preferred | Preferred | | | | |
|  | (Issued) | (Issued) | All stock<br>(Unissued) | Stock | Stock | | | | |
|  | Shares | Amount | Amount | Shares | Amount | Add'l<br>Paid-In<br>Capital |<br>Treasury<br>Stock |<br>Accum.<br>Deficit |<br>Total |
| Balance, December 31, 2023 | 122589754 | $122590 | $149186 | 20000 | $20 | $8475062 | $(50000) | $(8259652) | $437206 |
| Common stock issued for cash | 2000000 | 2000 |  |  |  | 98000 |  |  | 100000 |
| Common stock issued for services | 850000 | 850 |  |  |  | 78150 |  |  | 79000 |
| Net loss, March 31, 2024 |  |  |  |  |  |  |  | (246808) | (246808) |
| Balance, March 31, 2024 | 125439754 | 125440 | 149186 | 20000 | 20 | 8651212 | (50000) | (8506460) | 369398 |
| Common stock issued for cash | 100000 | 100 |  |  |  | 9900 |  |  | 10000 |
| Adjustment for change in accounting for convertible debt |  |  |  |  |  | (1352500) |  | 567218 | (785282) |
| Net loss, June, 30 2024 |  |  |  |  |  |  |  | (217987) | (217987) |
| Balance, June 30, 2024 | 125539754 | 125540 | 149186 | 20000 | 20 | 7308612 | (50000) | (8157229) | (623871) |
| Common stock issued for cash | 300000 | 300 |  |  |  | 14700 |  |  | 15000 |
| Net loss, September 30, 2024 |  |  |  |  |  |  |  | (215900) | (215900) |
| Balance, September 30, 2024 | 125839754 | $125840 | 149186 | 20000 | $20 | $7323312 | $(50000) | $(8373129) | $(824771) |
| Common stock issued for cash | 1750000 | 1750 |  |  |  | 103250 |  |  | 105000 |
| Common stock issued for adjustment | 200000 | 200 |  |  |  | (200) |  |  |  |
| Common stock issued for convertible debt | 1000000 | 1000 |  |  |  | 19000 |  |  | 20000 |
| Common stock to be issued for convertible debt |  |  | 20000 |  |  |  |  |  | 20000 |
| Adjustment for change in accounting for convertible debt |  |  |  |  |  | (50000) |  | 50000 |  |
| Net loss, December 31, 2024 |  |  |  |  |  |  |  | (308757) | (308757) |
| 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) | $(1349159) |
| Common stock to be issued | 150000 | 150 | (7500) |  |  | 7350 |  |  |  |
| Preferred stock to be issued |  |  | 7000 |  |  |  |  |  | 7000 |
| Common stock issued for cash | 1050000 | 1050 |  |  |  | 4950 |  |  | 6000 |
| Net Loss, September 30, 2025 | - | - | - | - | - | - | - | (246114) | (246114) |
| Balance, September 30, 2025 | 133162254 | 133163 | 156186 | 20000 | 20 | 7640490 | (50000) | (9462132) | (1582273) |

---

*See accompanying notes to financial statements*

**CyberloQ Technologies, Inc.**

**CONSOLIDATED CONDENSED STATEMENTS OF CASH FLOWS**

**For the Nine Months Ended September 30,**

---

| | | |
|:---|:---|:---|
|  | 2025 | 2024 |
|  | (unaudited) | (unaudited) |
| **OPERATING ACTIVITIES** |  |  |
| &nbsp;&nbsp;&nbsp;Net loss | $(830248) | $(680694) |
| &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 | 7000 | 79000 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bad Debt |  | 25000 |
| &nbsp;&nbsp;&nbsp;Change in Operating Assets and Liabilities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Decrease (increase) in accounts receivable |  | (15000) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Decrease (increase) in deposits and prepaids | (36510) | (1667) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Increase (decrease) in accounts payable and accrued expenses | 64913 | (37632) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Increase (decrease) in accrued interest | 231778 | 169209 |
| Net Cash Used in Operating Activities | (562340) | (461784) |
| **INVESTING ACTIVITIES** |  |  |
| &nbsp;&nbsp;&nbsp;Software | (447300) | (335894) |
| &nbsp;&nbsp;&nbsp;Website | (6745) | (1200) |
| &nbsp;&nbsp;&nbsp;Patents | (21497) |  |
| Net cash provided by (used) in investing activities | (475542) | (337094) |
| **FINANCING ACTIVITIES** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sale of common stock | 229501 | 125000 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Proceeds from convertible debt | 628141 | 556859 |
| Net Cash Provided by Financing Activities | 857642 | 681859 |
| Net Increase (Decrease) in Cash and Equivalents | (180240) | (117019) |
| Cash and Equivalents at Beginning of the Period | 282866 | 307174 |
| Cash and Equivalents at End of the Period | $102626 | $190155 |
| **SUPPLEMENTAL CASH FLOW INFORMATION** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest Paid | $10284 | $1566 |
| &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 Nine Months Ended September 30, 2025**

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, 2024, 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 Nine Months Ended September 30, 2025**

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 September 30, 2025, and December 31, 2024, the Company had $0 and $32,866 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 nine months ended September 30, 2025, and 2024, we capitalized $414,100 and $1,200, 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 nine month period ended September 30, 2025 and 2024 we capitalized $6,745 and $1,200.

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 $1,992,721 as of September 30, 2025.

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 September 30, 2025, the Company has capitalized $21,497.

**CyberloQ Technologies, Inc.**

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

**For the Nine Months Ended September 30, 2025**

Revenue Recognition

Effective January 1, 2018, the Company adopted the requirements of ASU No. 2014-09, *Revenue from Contracts with Customers: Topic 606* (ASU 2014-09 or ASC 606). The adoption of ASC 606 resulted in changes to the Company's accounting policies for revenue recognition previously recognized under ASC 605 (Legacy GAAP), as detailed below. However, since the Company had not earned any revenue prior to adopting ASC 606, this policy change had no effect on any financial statements from prior periods, thus no adjustments have been made to any prior periods related to the adoption of ASC 606.

*Revenue Recognition Policy*

Under ASC 606, the Company recognizes revenue upon transfer of control of promised products or services to customers in an amount that reflects the consideration the Company expects to receive in exchange for those products or services. To achieve the core principle of ASC 606, the Company performs the following steps:

1) Identify the contract(s) with a customer;

2) Identify the performance obligations in the contract;

3) Determine the transaction price;

4) Allocate the transaction price to the performance obligations in the contract; and

5) Recognize revenue when (or as) we satisfy a performance obligation.

The Company derives its revenue from development, customization and user fees for the CyberloQ banking fraud technology products, including CyberloQ Vault, and from licensing fees for the TurnScor product.

The revenue derived from the CyberloQ banking fraud technology products are comprised of two components. First, there is a development and customization fee paid to the Company to integrate CyberloQ with the banking institution or program manager's ecosystem in order to add the CyberloQ authentication to the bank's payment cards, website or digital service. This fee is customarily paid in multiple payments based upon the Company reaching certain milestones as set forth in the scope of work for each customer. Since completion of a milestone is subject to each customer's approval, there are significant judgments involved in the determination of timing and satisfaction of performance obligations and the payments are recognized as revenue upon the completion of each milestone. Second, where the Company's agreement is with a processor as opposed to an end user customer, there is an API license fee that is accrued monthly. Third, revenue from user fees are accrued monthly based over the number of individual card users each month.

The revenue derived from CyberloQ Vault is also comprised of two components. First, there is a development and customization fee paid to the Company to build a customized cloud-based encryption and a secure web portal to send/receive confidential data. This fee is customarily paid in multiple payments based upon the Company reaching certain milestones as set forth in the scope of work for each customer. Since completion of a milestone is subject to each customer's approval, there are significant judgments involved in the determination of timing and satisfaction of performance obligations and the payments are recognized as revenue over the completion of each milestone. Second, revenue from a monthly user fee is accrued monthly based upon the number of individual users of the product each month.

License fees generated by the nonexclusive licensing of the Company's TurnScor product are accrued monthly.

As of September 30, 2025, and December 31, 2024, the Company had $0 in contract assets and contract liabilities.

Accounts Receivable

The Company extends credit to customers in the normal course of business. The allowance for doubtful accounts represents the Company's best estimate of the amount of profitable credit losses in the Company's existing accounts receivable. The Company determines the allowance based on specific customer information, historical write-off experience and current industry and economic data. Account balances are charged off against the allowance when the Company believes that it is probable that the receivable will not be recovered. Management believes that there are no concentrations of credit risk for which an allowance has not been established. Although management believes that the allowance is adequate, it is possible that the estimated amount of cash collections with respect to accounts receivable could change.

**CyberloQ Technologies, Inc.**

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

**For the Nine Months Ended September 30, 2025**

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 nine-months ended September 30, 2025, and 2024 were $8,954 and $351, respectively.

Income Taxes

Deferred income taxes are provided using the liability method (in accordance with ASC 740) whereby deferred tax assets are recognized for deductible temporary differences and operating loss and tax credit carry forwards, and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax bases. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or all-of the deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted for the effects of the changes in tax laws and rates of the date of enactment.

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheets along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Applicable interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statements of operations. The Company is not aware of uncertain tax positions.

**CyberloQ Technologies, Inc.**

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

**For the Nine Months Ended September 30, 2025**

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 September 30, 2025 and December 31, 2024, the Company has no warrants outstanding, 10,000,000 options outstanding, but none of them have vested, are not exercisable and therefore not included, and had 111,174,341 and 99,842,927 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. Additionally, the Company has 5,000 shares of Series B Preferred stock that is convertible into 5,000,000 shares of common stock. The preferred stock shares were not included in EPS and the conversion can only occur on the sale of the Company.

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.

Stock Based Compensation

The Company adopted FASB ASC Topic 718 – Compensation – Stock Compensation (formerly SFAS 123R), which establishes the use of the fair value-based method of accounting for stock-based compensation arrangements under which compensation cost is determined using the fair value of stock-based compensation determined as of the date of grant and is recognized over the periods in which the related services are rendered. For stock-based compensation, the Company recognizes an expense in accordance with FASB ASC Topic 718 and values the equity securities based on the fair value of the security on the date of grant. Stock option and warrant awards are valued using the Black-Scholes option-pricing model, which according to ASC 820-10 is a level 3 value on the hierarchy.

Leases

FASB issued *ASU No. 2016-02, Leases (Topic 842)*, which establishes a comprehensive new lease accounting model. The new standard: (a) clarifies the definition of a lease; (b) requires a dual approach to lease classification similar to current lease classifications; and, (c) causes lessees to recognize leases on the balance sheet as a lease liability with a corresponding right-of-use asset for leases. The standard became effective for calendar years beginning after December 15, 2018.

The Company has made an accounting policy election not to recognize right of use assets and lease liabilities that arise from short term leases for any class of asset.

NOTE 2 – INTANGIBLE ASSETS

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

---

| | | |
|:---|:---|:---|
|  | September 30, 2025 | December 31, 2024 |
| CyberloQ platform | $1992721 | $1545421 |
| Website | 14195 | 7450 |
| Patent | 21497 |  |
| Less: accumulated amortization | (727) | - |
| Fixed assets, net | $2027686 | $1552871 |

---

The patents have not yet been issued. The website was put into service as of July 1, 2025, as a result, amortization expense was $727 and $0 for the nine months ended September 30, 2025 and 2024, respectively.

**CyberloQ Technologies, Inc.**

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

**For the Nine Months Ended September 30, 2025**

NOTE 3 – GOING CONCERN

The Company has incurred losses since Inception resulting in an accumulated deficit of $9,462,132 as of September 30, 2025 that includes a loss of $830,248 for the nine months ended September 30, 2025. 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.

NOTE 4 – SERVICES AGREEMENT

On September 25, 2023, the Company entered into a Services Agreement with QRails, Inc to integrate the features of CyberloQ® and its multi-factor security protocol into QRails' processing platform. As a result of the integration, anyone who has their card processing services through QRails will have the option to utilize the features of CyberloQ in conjunction with their card programs. The agreement also includes the integration of CyberloQ into the card network of XTM, Inc. Under the terms of the Agreement, the Company will pay $100,000 to QRails for scoping and planning, and integration payable in two installments. The first installment was paid at signing in the amount of $50,000 and was capitalized on the balance sheet. The second installment was paid on October 15, 2023 in the amount of $50,000. Additionally, QRails will pay a monthly API licensing fee in the amount of $5,000 beginning October 30, 2023 and ending on April 30, 2024. During the period ended June 30, 2024, it was determined that QRails had not and was not going to pay the $5,000 monthly fee, as a result $25,000 in bad debt was recognized.

NOTE 5 – SETTLEMENT AGREEMENT

On February 28, 2022, the Company signed a Separation and Release of Claims Agreement with an employee, officer and director of the Company. The terms of the agreement are as follows:

● The employee resigned from the Company's Board of Directors

● The employee resigned his position as an officer of the Company, and his employment agreement was terminated

● The employee assigned and transferred 10,000 shares of preferred stock to be canceled and extinguished by the Company. A loss of $10 was recorded

● The Company will pay the $50,000 as a severance payment. This was paid on the date of the agreement and a loss of $18,076 was recorded

● The Company and the employee entered into a Common Stock Redemption Agreement by which the Company will purchase 5,400,000 shares of the Company's common stock owned by the employee at $0.10 per share for a total of $540,000 . The Company repurchased 500,000 for $50,000 at the date of the agreement and recorded a settlement liability of $490,000 .

◌ Payments under the Common Stock Redemption Agreement are as follows:

---

| | | |
|:---|:---|:---|
| Date | Amount | Shares Redeemed |
| 02/28/22 | $50000 | 500000 |
| 09/01/22 | 163333 | 1633333 |
| 03/01/23 | 163333 | 1633333 |
| 09/01/23 | 163333 | 1633334 |
| 9/13/22 Termination of Agreement | $(540000) | (5400000) |
| Balance as of 9/30/22 |  |  |

---

**CyberloQ Technologies, Inc.**

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

**For the Nine Months Ended September 30, 2025**

On September 1, 2022, the Company failed to make the stock redemption payment of $163,333 due under the agreement. Thereafter on September 13, 2022, as provided for by the agreement, the employee elected to declare the agreement terminated and null and void. As a result of the termination, all of the not-yet-redeemed shares became immediately freely transferable by the employee without restriction. The Company then released the restriction on the shares and eliminated the liabilities and shares to be redeemed on the balance sheet. On February 13, 2024, the Superior Court of New Jersey entered an order granting the request of CyberloQ Technologies, Inc., a Nevada corporation (the "Company") to dismiss the matter of Mark Carten v. CyberloQ Technologies, Inc. (UNN-L-3456-22) which was related to the Separation and Release of Claims Agreement. On February 13, 2024, the litigation was dismissed without prejudice and is no longer pending.

NOTE 6 – STOCKHOLDERS' EQUITY

Common Stock

The Company has 300,000,000 shares of $.001 par value common stock authorized as of September 30, 2025 and had 200,000,000 shares of $.001 par value common stock authorized as of September 30, 2024.

During the three month period ended September 30, 2025, the Company received $6,000 in payment for 1,050,000 shares of common stock and issued 150,000 shares of stock previously recorded as "to be issued".

During the three month period ended September 30, 2024, the Company received $125,000 in payment for 2,400,000 shares of common stock for services valued at $79,000.

Treasury Stock

On February 28, 2022, 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. (See Note 5)

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.

On February 28, 2022, the 10,000 Series A Preferred Stock held by Mark Carten were redeemed by the Company and returned to treasury.

On May 29, 2025, the Company amended its articles of incorporation to create a new class of stock designated Series B Convertible Preferred Stock consisting of fifty-thousand (50,000) shares at par value of $0.001 per share. Certain rights, preferences, privileges and restrictions were established for the Series B Convertible 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 applicable law, holders of shares of Series B Convertible Preferred Stock shall have no voting rights and shall not be entitled to notice of any meeting of shareholders or to vote upon any matter submitted to shareholders for a vote; (c) upon the occurrence of a sale of the Company, including a merger, acquisition, or sale of all or substantially all of the Company's assets, each share of Series B Preferred Stock shall automatically convert into one thousand (1,000) shares of the Company's common stock without any further action by the holder thereof. Such conversion shall be automatic and effective immediately prior to the closing of such sale; and (d) in the event of any liquidation, dissolution or winding-up of the Company, either voluntary or involuntary, the holders of the Series B Convertible Preferred Stock shall have no liquidation preference over any other class or series of shares of the Company and shall only be entitled to receive an amount per share equal to the amount paid or credited as paid on such shares and on a pari passu basis with the holders of Common Shares and any other class or series of shares ranking equally with the Series B Convertible Preferred Shares.

On the Company recorded 5,000 shares of Series B Convertible Preferred Shares as "to be issued" valued at $7,000.

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 Nine Months Ended September 30, 2025**

NOTE 7 – 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 nine months ended September 30, 2025 the Company paid $1,914 in interest.

SCHEDULE OF MATURITIES OF REPAYMENT OF LOAN

---

| | |
|:---|:---|
| Payment Obligations | Payment Obligations |
|  | Amount |
| 2025 | $2088 |
| 2026 | 2088 |
| 2027 | 2088 |
| 2028 | 2088 |
| 2029 to 2050 | 24098 |
| Total | $32450 |

---

NOTE 8 – COMMITMENTS

In May 2025, the Company signed a new lease for office space at its existing location at 4837 Swift Rd Sarasota, FL 34231 at a rate of $857.60 per month. This lease can be terminated by the Company upon sixty days' notice.

In June 2024, the Company signed a new lease for office space at its existing location at 4837 Swift Rd Sarasota, FL 34231 at a rate of $804 per month. This lease can be terminated by the Company upon sixty days' notice.

The Company has commission agreements as follows:

● An agreement with a shareholder and director of the Company stating that the executive will be entitled to a two-and-a half-percent (2.5 %) commission of the gross revenue recorded by the Company for any customer contracts that are closed by the Company at the time of and during the duration of the agreement. These commissions are payable quarterly upon receipt of customer revenues.

● An agreement with two sales managers granting each manager a 1 % commission on the gross revenue of the Company. These commissions are payable quarterly upon receipt of customer revenues.

NOTE 9 – 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 |
|  | September 30, 2025 | December 31, 2024 |
| Notes payable – stockholders | $35000 | $35000 |
| Convertible debt - stockholders | 2865000 | 2236859 |
| Notes payable – related parties | $150000 | $150000 |

---

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 September 30, 2025, the payments due have not been extended and the Company plans to repay the notes in 2025.

Convertible Debt - Stockholders

SCHEDULE OF CONVERTIBLE DEBT - STOCKHOLDERS

---

| | | |
|:---|:---|:---|
|  | September 30, 2025 | December 31, 2024 |
| Principal | $2865000 | $2236859 |
| Beneficial Conversion Feature |  |  |
| Amortization of Debt Discount |  |  |
| Adjustment for ASU 2020-06 | - | - |
| Convertible Debt - Stockholders, net | $2865000 | $2236859 |

---

**CyberloQ Technologies, Inc.**

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

**For the Nine Months Ended September 30, 2025**

As of September 30, 2025 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 |
| 12/14/2022 | 30000.00 | 12/16/2023 | 0.02 |
| 1/13/2023 | 50000.00 | 12/31/2023 | 0.02 |
| 2/1/2023 | 10000.00 | 2/1/2024 | 0.02 |
| 2/1/2023 | 100000.00 | 2/2/2024 | 0.02 |
| 2/21/2023 |  | 2/21/2024 | 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 | .10 |
| 05/19/2025 | 100000 | 5/19/2026 | .05 |
| 06/24/2025 | 30000 | 6/25/2026 | .05 |
| 06/26/2025 | 40000 | 6/26/2026 | .05 |
| 06/30/2025 | 10000 | 6/30/2026 | .05 |
| 07/08/2025 | 25000 | 7/08/2025 | .05 |
| 07/30/2025 | 100000 | 7/30/2025 | .05 |
| 08/20/2025 | 200000 | 8/20/2025 | .05 |
| Total | 2865000 |  |  |

---

Notes Payable - Related Parties

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 10 – SUBSEQUENT EVENTS

On October 30, 2025, the Company received $5,000 in exchange for 50,000 shares of common stock.

On October 30, 2025, the Company received $100,000 for a Convertible Note Payable, which carries zero percent (0%) interest. The maturity date of the note is October 30, 2026, and is convertible into 500 shares of Series B Preferred stock.

On November 3, 2025, the Company submitted a United States patent application to the United States Patent and Trademark Office and received provisional application number 63/910,210. This patent application is related to the following: Multi-Factor Authentication System With Contextual, Geo-temporal And User-Based Transaction Control. A provisional patent application does not itself result in a granted patent. The Company expects to file a corresponding non-provisional patent application prior to expiration of the provisional filing.

On November 10, 2025, the Company received $5,000 in exchange for 50,000 shares of common stock.

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, 2024. 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.

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 September 30, 2025, the Company's assets were $2,173,786 compared to $1,842,701 in assets as of December 31, 2024.

This change in the Company's financial condition can be primarily attributed to an increase in intangible assets of $447,300 due to the capitalization of the CyberloQ Platform, $6,744 due to website development, net of amortization of $727, $21,497 due to the acquisition of patents, and an increase in the Company's prepaid expense from $6,964 to $43,474 due to commission advances paid to salespersons. This increase in fixed assets was partially offset by a decrease in the Company's cash assets to $102,626 as of September 30, 2025 as opposed to $282,866 as of December 31, 2024.

As of September 30 2025, the Company's liabilities were $3,756,059 compared to $2,831,229 in liabilities as of December 31, 2024. This change in the Company's financial condition can be attributed to an increase of $628,141 in convertible debt, an increase of $231,778 in accrued interest and an increase of $64,911 in accounts payable and accrued expenses.

Net cash used in operating activities for the nine-month period ending September 30, 2025, was $562,340 compared to $461,784 for 2024. 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 September 30, 2025, amortization of $727 and stock compensation of $7,000 are the only non cash adjustments.

Net cash used by investing activities was $475,542 for the nine months ended September 30, 2025 as compared to $337,094 for 2024.

Net cash provided by financing activities was $857,642 for the nine months ended September 30, 2025 as compared to $681,859 for 2024.

The Company had gross revenue of $0 for the nine months ended September 30, 2025 compared to gross revenue of $15,000 for the nine months ended September 30, 2024, and is currently reliant on its ability to raise additional capital to continue execution of its business plan to move the Company forward towards profitability. The Company does not anticipate any significant decrease in its operating expenses for the remainder of 2025. Unless the Company begins to generate operational revenue, it will be reliant on its ability to raise additional capital in order to continue its operations.

***Results of Operations for the Nine Months Ended September 30, 2025 and 2024***

Company revenue was $0 in the nine months ended September 30, 2025 as compared to $15,000 for the nine months ended September 30, 2024. This was due to the services agreement with QRails, Inc no longer being in effect.

The Company's operating expenses were $581,558 for the nine months ended September 30, 2025 as compared to $517,419 for the nine months ended September 30, 2024. This increase in operating expenses was primarily due to an increase in officers compensation which was $289,000 for the nine months ended September 30, 2025 compared to $182,500 for the nine months ended September 30, 2024 due to a bonus approved by the Board of Directors that was issued in the first quarter of 2025.

In addition, there was an increase in computer and internet expense which was $73,576 for the nine months ended September 30, 2025 compared to $33,443 for the nine months ended September 30, 2024. This increase was due to an increase in hosting costs associated with the Company's web services.

These increases were partially offset by a decrease in professional fees which were $164,729 for the nine months ended September 30, 2025 as compared to $228,486 for the nine months ended September 30, 2024 due to an issuance of common stock for services that occurred in the first quarter of 2024. The Company also experienced a decrease in other operating expenses which were $21,326 for the nine months ended September 30, 2025 as compared to $48,859 for the nine months ended September 30, 2024 primarily due to bad debt and dues and subscriptions in 2024.

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

Travel expenses were $10,488 for the nine months ended September 30, 2025 as compared to $6,510 for the nine months ended September 30, 2024.

Office supplies and expenses were $14,077 for the nine months ended September 30, 2025 as compared to $10,216 for the nine months ended September 30, 2024.

Finally, there were no material change in the Company's rent expense in the nine months ended September 30, 2025 as compared to the nine months ended September 30, 2024.

As a result of the foregoing, the Company experienced a net loss from operations of $581,558 in the nine months ended September 30, 2025 compared to a net loss from operations of $502,419 in the nine months ended September 30, 2024. The overall net loss for the nine months ended September 30, 2025 was $830,248 due to interest expense of $248,692, as compared to overall net loss of $680,694 for the nine month period ended September 30, 2024.

***Results of Operations for the Three Months Ended September 30, 2025 and 2024***

Company revenue was $0 in the three months ended September 30, 2025, which was unchanged from $0 for the three months ended September 30, 2024.

The Company's operating expenses were $151,295 for the three months ended September 30, 2025 as compared to $144,365 for the three months ended September 30, 2024.

Professional fees were $51,388 for the three months ended September 30, 2025 as compared to $60,162 for the three months ended September 30, 2024.

Other operating expenses were $13,123 for the three months ended September 30, 2025 as compared to $1,283 for the three months ended September 30, 2024 primarily due to advertising and dues and subscriptions in 2025.

Officer's compensation was $63,000 for the three months ended September 30, 2025 as compared to $60,000 for the three months ended September 30, 2024.

Travel expenses were $149 for the three months ended September 30, 2025 as compared to $1,779 for the three months ended September 31, 2024.

Office supplies and expenses were $4,097 for the three months ended September 30, 2025 as compared to $2,897 for the three months ended September 30, 2024.

Computer and internet expenses were $16,238 for the three months ended September 30, 2025 as compared to $15,664 for the three months ended September 30, 2024. This increase was due to an increase in hosting costs associated with the Company's web services.

Finally, there was no material change in the Company's rent expense in the three months ended September 30, 2025 as compared to the three months ended September 30, 2024.

As a result of the foregoing, the Company experienced a net loss from operations of $151,295 in the three months ended September 30, 2025 compared to a net loss from operations of $144,365 in the three months ended September 30, 2024. The overall net loss for the three months ended September 30, 2025 was $246,114 due to interest expense of $94,819, as compared to overall net loss of $215,900 for the three month period ended September 30, 2024.

**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 September 30, 2025 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 nine-month period ended September 30, 2025 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 nine months of 2025, the Company raised $229,501 for the operations of the Company through the unregistered sale of 3,372,500 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 nine-months ended September 30, 2025, 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: | November 14, 2025 |

---

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: | November 14, 2025 |
| By: | */s/ Leon Hurst* |
|  | Leon Hurst, Director |
| Date: | November 14, 2025 |
| By: | */s/ Christopher Jackson* |
|  | Christopher Jackson, Director |
| Date: | November 14, 2025 |

---

## 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: November 14, 2025 |  | 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 September 30, 2025 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: November 14, 2025 |  | President, Treasurer, Secretary,<br> Principal Executive Officer and<br> Principal Financial Officer |

---