CLOQOTCServices-Prepackaged SoftwareUS GAAP · USD

Cyberloq Technologies, Inc.

CyberloQ Technologies, Inc. is a development-stage U.S. software company focused on fraud prevention, credit management, and secure data access. Its core offering is the CyberloQ® platform, a multi-factor authentication technology designed to help institutional clients protect bank cards, digital accounts, databases, and other sensitive assets from unauthorized access. The company also markets TurnScor®, a web-based credit monitoring and management platform, and CyberloQ Vault, a cloud-based secure data exchange tool. CyberloQ has positioned its software around banking, healthcare, and enterprise data-security use cases, with an emphasis on white-label deployment and integration into client ecosystems. The business remains early-stage and has generated minimal revenue, so its commercial progress depends on winning material customer contracts and scaling adoption.

Liikevaihto0,0milj. USD
+0,0 %v/v
Liikevoitto (EBIT)−0,8milj. USD
−2,5 %v/v
EBIT-marginaali−5 144,1%
−124,6 %-yks.v/v
Nettotulos−1,1milj. USD
−14,0 %v/v
Vapaa kassavirta−0,8milj. USD
−8,4 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

−1,25−1,00−0,75−0,50−0,250,000,25milj. USD2020: 0,02 milj. USD2020: EBIT −0,86 milj. USD20202021: 0,00 milj. USD2021: EBIT −1,1 milj. USD20212022: 0,00 milj. USD2022: EBIT −0,68 milj. USD20222023: 0,02 milj. USD2023: EBIT −0,37 milj. USD20232024: 0,02 milj. USD2024: EBIT −0,75 milj. USD20242025: 0,02 milj. USD2025: EBIT −0,77 milj. USD20250,02−0,77
LiikevaihtoLiikevoitto (EBIT)

Liiketoiminta

Osuus liikevaihdosta
Multi-factor authentication and fraud prevention60 %

Software that controls access to cards, accounts, websites, databases, and digital services using smartphone-based authentication and geo-fencing.

Credit monitoring and consumer credit management15 %

TurnScor-branded tools that let users monitor and manage credit activity from home, with potential institutional distribution.

Secure data exchange and encrypted communications15 %

CyberloQ Vault tools for sending and receiving confidential data through authenticated, encrypted cloud workflows.

White-label and partner licensing10 %

Customizable deployments sold through strategic partners and institutional channels under partner brands.

Tuotteet

Raportoitu · osuus liikevaihdosta
93,8%FY2023100 %
  • License93,8 %
  • Services6,2 %

Lähde: 10-K FY2023, yhtiön tuotelinjoittain raportoima liikevaihto (SEC XBRL). Osuudet on laskettu näytetyistä riveistä ja ne summautuvat 100 %:iin.

Asiakkaat

CyberloQ sells primarily to institutional customers that need stronger controls around account access, transaction authorization, and confidential data transfer. The company explicitly targets banks and card issuers for debit and credit card protection, and it also sees healthcare organizations as a potential market because of the need to protect personal identifying information in digital medical records. It further targets enterprises that want to secure databases and digital assets using geo-fenced authentication. TurnScor can also be used by individual consumers, but the company appears to view institutional distribution as the more scalable route. White-label partnerships are important because they allow other brands to package CyberloQ functionality into their own customer offerings.

Banks and card issuers

Buy CyberloQ to reduce fraud, control card usage, and add multi-factor authentication to customer transactions and account access.

Healthcare organizations

Use the platform to protect personal identifying information and digital medical records from unauthorized access.

Enterprise data-security buyers

Adopt CyberloQ Vault and related tools to secure databases, confidential files, and digital services.

White-label partners

Integrate CyberloQ into their own customer-facing products to expand distribution without building the technology internally.

Consumers

Use TurnScor to monitor and manage personal credit activity, though this appears less central than institutional sales.

Strategia

CyberloQ’s strategy is to turn its proprietary authentication and secure-data tools into scalable software products that can be embedded into customer workflows. The company has emphasized upgrading the platform’s infrastructure, UI/UX, and integration capabilities so the software can support larger deployments and strategic partnerships. White-label distribution is a key priority because it can extend reach without requiring a large direct sales force. The company also appears to be broadening use cases beyond banking into healthcare and enterprise data protection, which could widen its addressable market. Because revenue has been minimal, the near-term strategic challenge is converting product capability into recurring commercial contracts.

Win material institutional customersLyhyt aikaväli

The company needs recurring commercial contracts to move beyond development-stage revenue and validate product-market fit.

Expand white-label partnershipsKeskipitkä aikaväli

Partner distribution can accelerate adoption and reduce the cost of customer acquisition.

Broaden product use casesKeskipitkä aikaväli

Serving banking, healthcare, and enterprise data-security needs increases the addressable market and reduces dependence on one vertical.

Maantiede

CyberloQ is incorporated in Nevada and operates as a U.S.-based company, with its commercial and development activity centered in the United States. The company previously formed a U.K. subsidiary, but it had no activity and has since been dissolved, so the business appears overwhelmingly domestic. The reports do not disclose meaningful country-by-country revenue, which is consistent with the company’s very small revenue base and early-stage status. Geography matters mainly because the company’s products are designed for regulated U.S. financial and healthcare use cases, where compliance and integration requirements can slow adoption. As the company expands, any international growth would likely depend on partner-led distribution rather than a large direct operating footprint.

Riskit

CyberloQ faces significant execution risk because it has very limited revenue, a small workforce, and depends on raising capital to fund operations and product development. The company also competes against much larger firms and established security features already embedded in banking platforms, which makes customer acquisition difficult and raises the risk of slow adoption. Because the product is designed to protect sensitive financial and personal data, any cyber incident, breach, or implementation failure could damage credibility and reduce demand. The business is also exposed to regulatory and compliance complexity in banking and healthcare, where security standards and integration requirements can lengthen sales cycles. More generally, early-stage software companies with concentrated products face technology obsolescence risk, partner dependence, and financing risk if commercial traction remains limited.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Competitive pressure from larger security providers2Cybersecurity and reputational risk3
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Going-concern and financing dependenceVaikutus: Kriittinen

    The company had no operating revenue in 2025 and states it will need additional debt and/or capital to continue operations.

    KohdistuuOperationsProduct developmentWorking capital
  2. Competitive pressure from larger security providersVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Competitors have greater financial, technical, and marketing resources, which can limit customer wins and market share.

    Kohdistuu: Customer acquisition and pricing

  3. Cybersecurity and reputational riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    A breach or implementation failure would undermine the company’s core value proposition of secure authentication and data protection.

    Kohdistuu: Product trust and renewals

  4. Regulatory and compliance complexityVaikutus: Keskitaso

    Banking and healthcare customers require security, privacy, and integration standards that can slow adoption and increase costs.

    Kohdistuu: Sales cycle and implementation costs

Kirjanpito

Harkinnanvaraiset erät
Capitalized development costs and patents

The company capitalizes CyberloQ platform, website development, and patent costs, which increases fixed assets and delays expense recognition through amortization.

Vaikutus: Balance sheet asset values and future operating expense

Convertible debt and related-party notes

Financing is a major source of liquidity, so classification and interest accrual materially affect liabilities and net loss.

Vaikutus: Current liabilities, interest expense, and solvency analysis

Revenue recognition

With very low revenue and potential new institutional contracts, the timing and terms of software/service delivery can materially affect reported revenue.

Vaikutus: Top-line volatility and comparability

Stock-based compensation

Equity awards and stock issuances are used to fund operations and compensate personnel, affecting reported operating expenses.

Vaikutus: Operating loss and dilution

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

Päivitetty: 24.9.2026