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CLOSED · 10:45 ET
Market ClerkRecap
Sat Oct 24 · markets closed1 signal today94 insider buys this week · $48.3MCIRO short report next: Oct 31The week ahead

BBLR

Bubblr Inc.
OTC · TECHNOLOGY · SERVICES-COMPUTER PROGRAMMING, DATA PROCESSING, ETC.
0.00
+0.00 +33.33%
USD · close Oct 23
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Work order
0
FLAG · shorts 0
Insiders, 90 days
0
no open-market filings in 90 days
Congress, 90 days
0 / 0
no disclosures naming it
Big money
0 / 15
none of the tracked funds disclose it
Calls on record
0
nobody we score has called it yet
MKT CAP $122KP/E —DIV YIELD —FCF YIELD —REV TTM $2K −38.3%NET INCOME −$1.2MNET CASH $51K52W 0.00 – 0.01SEC XBRL · TTM TO Invalid Date

How BBLR rewrote its risk factors

10-K ITEM 1A · FY2024 → FY2025
Text kept
16%
of sentences unchanged
Added
185
new sentences
Dropped
180
sentences removed
Length
−520
words, now 7,220

New in FY2025

  • In assessing the risks below, you should also refer to the other information contained in this Annual Report on Form 10-K, including the financial statements and the related notes, before deciding whether to purchase or hold any of our securities.
  • Risk Factors Related to the Financial Condition of the Company Because our auditor has issued a going-concern opinion for our company, there is an increased risk of investing in it.
  • We have continued to operate at a loss, with an accumulated deficit of $2,840,260 as of December 31, 2025.
  • We have not generated significant revenue and are dependent on financing to continue operations for the next twelve months.
  • Our future depends on our ability to obtain financing or on future profitable operations.
  • Potential investors should be aware of the difficulties new companies often face and the high failure rate among such enterprises.
  • The likelihood of success must be evaluated based on the problems, expenses, difficulties, complications, and delays encountered in connection with the operations we plan to undertake.
  • These potential problems include, but are not limited to, unanticipated difficulties in generating sufficient cash flow to operate our business and additional costs and expenses that may exceed current estimates.
  • We recognize that if the effectiveness of our business plan is not realized, we will not be able to continue operating.
  • There is no history on which to base assumptions about the likelihood of our success, and it is doubtful that we will generate significant operating revenues or achieve profitable operations.
  • If we fail to address these risks, our business will most likely fail.
  • Risk Factors Related to the Business of the Company Our operating results may fluctuate, which could negatively impact our ability to grow our client base, establish sustainable revenues, and succeed overall.
  • If the market for our open-source platform and AI products does not experience significant growth or if our projects do not achieve broad acceptance, we will not be able to sustain or grow our revenues.
  • We hope to achieve revenue from our open-source platform.
  • We cannot, however, accurately predict future growth rates or market size for applications in the United States, the United Kingdom, and other markets where we operate.
  • The expansion of our mobile application in the market depends on a number of factors, such as: ● Our competitors offer the cost, performance, and appearance of our mobile application. ● Public perceptions regarding our mobile application and the effectiveness and value of it; ● Customer satisfaction with our mobile application and ● Marketing efforts and publicity regarding the application’s needs and the public’s demand for it.
  • Even if our platform gains broad market acceptance, we may not adequately address market requirements or expand it to meet them.
  • If our products do not achieve broad market acceptance, we may not achieve our anticipated growth, and our revenues and results of operations may suffer.
  • If we are unable to gauge trends and respond to partners’ changing preferences in a timely manner, our sales will not increase, and our business may fail.
  • Our success depends in substantial part on our ability to offer our intellectual property, supporting platform, and products that reflect current needs and anticipate, gauge, and react to changing partner and consumer demands in a timely manner.
  • If we misjudge their needs for our platform, our ability to generate sales could be impaired, and our business could fail.
  • There is no assurance that our mobile application will be successful, and any adverse consumer reaction could also adversely affect our business.
  • If we do not effectively manage our business growth, we may experience significant strains on our management and operations, as well as disruptions.
  • We may also experience delays in development as we seek to meet increased demand for our products.
  • Our failure to properly manage growth, whether our own or that of our industry, could negatively impact our ability to implement our operating plan and, accordingly, adversely affect our business, cash flow, results of operations, and reputation with our current or potential customers.
  • Our commercial success depends significantly on our ability to develop and commercialize our open-source platform without infringing third parties’ intellectual property rights.
  • Our commercial success will depend, in part, on operating our business without infringing on third parties’ contractual, trademark, or proprietary rights.
  • Third parties who believe we are infringing on their rights could bring actions against us, seeking damages and seeking to prohibit the development, marketing, and distribution of our products.
  • If we become involved in any litigation, it could consume a substantial portion of our resources, regardless of the outcome.
  • If any of these actions are successful, we could be required to pay damages and/or obtain a license to continue developing or marketing our products, in which case we may be required to pay substantial royalties.
  • We could be prevented from commercializing a product or forced to cease certain aspects of our business operations due to patent infringement claims, which would harm our business.
  • It could negatively impact our business operations and financial condition, and have a material adverse effect on our business, financial condition, and results of operations.
  • Our operating and financial performance may be adversely affected by various factors affecting the general economy.
  • Consumer search habits are affected, among other things, by prevailing economic conditions, unemployment levels, salaries and wage rates, prevailing interest rates, income tax rates and policies, consumer confidence, and consumers’ perceptions of financial conditions.
  • Our reputation in the online marketplace is significant to our success.
  • Since the industry is highly competitive, our ability to remain competitive depends primarily on maintaining and enhancing our reputation and brand, which can be difficult and expensive.
  • To maintain and improve our reputation and brand, we need to effectively manage many aspects of our business, including cost-effective marketing campaigns to increase brand recognition and awareness in a highly competitive market.
  • We cannot, however, assure you that these activities will achieve the brand promotion goals we expect.
  • If we fail to maintain and enhance our reputation and brand, or incur excessive expenses in doing so, our business, financial condition, and results of operations could be adversely affected.
  • We use artificial intelligence in our business, and challenges in effectively managing its use could result in reputational and competitive harm, legal liability, and adversely affect our results of operations.

and 145 more.

Gone since FY2024

  • In assessing the risks below, you should also refer to the other information contained in this Annual Report on Form 10-K, including the financial statements and the related notes, before deciding to purchase or hold any of our securities.
  • Risk Factors Related to the Financial Condition of the Company Because our auditor has issued a going concern opinion regarding our company, there is an increased risk associated with an investment in our company.
  • We have continually operated at a loss, with an accumulated deficit of $1,947,851 as of December 31, 2024.
  • We have not generated significant revenues and are dependent upon obtaining financing to continue operations for the next twelve months.
  • Our future is dependent upon our ability to obtain financing or upon future profitable operations.
  • Potential investors should be aware of the difficulties usually encountered by new companies and the high rate of failure of such enterprises.
  • The likelihood of success must be evaluated considering the problems, expenses, difficulties, complications, and delays encountered in connection with the operations that we plan to undertake.
  • These potential problems include but are not limited to, unanticipated problems relating to the ability to generate sufficient cash flow to operate our business and additional costs and expenses that may exceed current estimates.
  • We recognize that if the effectiveness of our business plan is not forthcoming, we will not be able to continue business operations.
  • There is no history upon which to base any assumption as to the likelihood that we will prove successful, and it is doubtful that we will generate any significant operating revenues or ever achieve profitable operations.
  • If we are unsuccessful in addressing these risks, our business will most likely fail.
  • Risk Factors Related to the Business of the Company Our operating results may fluctuate, which could have a negative impact on our ability to grow our client base, establish sustainable revenues, and succeed overall.
  • If the market for our open-source platform and AI products do not experience significant growth or if our projects do not achieve broad acceptance, we will not be able to sustain or grow our revenues.
  • We hope to achieve revenues from our open-source platform We cannot accurately predict, however, future growth rates or the size of the market for application in the United States, United Kingdom, and other markets we engage in.
  • The expansion of our mobile application in the market depends on a number of factors, such as: ● The cost, performance, and appearance of our mobile application offered by our competitors; ● Public perceptions regarding our mobile application and the effectiveness and value of it; ● Customer satisfaction with our mobile application and ● Marketing efforts and publicity regarding the needs for application and the public demand for it.
  • Even if our platform gains wide market acceptance, we may not adequately address market requirements and may not be able to expand market acceptance.
  • In the event our products do not achieve broad market acceptance, we may not be able to reach our anticipated level of growth, or revenues and results of operations would suffer.
  • If we are unable to gauge trends and react to changing partner’s preferences in a timely manner, our sales will not increase, and our business may fail.
  • We believe our success depends in substantial part on our ability to offer our intellectual property and our supporting platform, and products that reflect current needs and anticipate, gauge, and react to changing partner and consumer demands in a timely manner.
  • If we misjudge their needs for our platform, our ability to generate sales could be impaired, failing in our business.
  • There are no assurances that our mobile application will be successful, and in that regard, any unsuccessful consumer reaction could also adversely affect our business.
  • If we do not effectively manage the growth of our business, we may experience significant strains on our management and operations and disruptions in our business.
  • We may also experience development delays as we seek to meet increased demand for our products.
  • Our failure to properly manage the growth that we or our industry might experience could negatively impact our ability to execute our operating plan and, accordingly, could have an adverse impact on our business, our cash flow and results of operations, and our reputation with our current or potential customers.
  • Our commercial success depends significantly on our ability to develop and commercialize our open-source platform without infringing the intellectual property rights of third parties.
  • Our commercial success will depend, in part, on operating our business without infringing the contractual, trademarks, or proprietary rights of third parties.
  • Third parties that believe we are infringing on their rights could bring actions against us, claiming damages and seeking to enjoin the development, marketing, and distribution of our products.
  • If we become involved in any litigation, it could consume a substantial portion of our resources, regardless of the outcome of the litigation.
  • If any of these actions are successful, we could be required to pay damages and/or obtain a license to continue to develop or market our products, in which case we may be required to pay substantial royalties.
  • We could be prevented from commercializing a product or forced to cease some aspect of our business operations because of patent infringement claims, which would harm our business.
  • It could negatively impact our business operation and financial condition, which could have a material adverse effect on our business, financial condition, and results of operations.
  • Our operating and financial performance may be adversely affected by a variety of factors that influence the general economy.
  • Consumer search habits are affected by, among other things, prevailing economic conditions, levels of unemployment, salaries and wage rates, prevailing interest rates, income tax rates and policies, consumer confidence, and consumer perception of financial conditions.
  • We believe that our reputation in the online marketplace is significant to the success of our business.
  • Since the industry is highly competitive, our ability to remain competitive depends primarily on our ability to maintain and enhance our reputation and brand, which could be difficult and expensive.
  • To maintain and improve our reputation and brand, we need to successfully manage many aspects of our business, such as cost-effective marketing campaigns to increase brand recognition and awareness in a highly competitive market.
  • We cannot assure you, however, that these activities will be successful and achieve the brand promotion goals we expect.
  • If we fail to maintain and enhance our reputation and brand, or if we incur excessive expenses in our efforts to do so, our business, financial conditions, and results of operations could be adversely affected.
  • We use artificial intelligence in our business, and challenges with effectively managing its use could result in reputational harm, competitive harm, and legal liability, and adversely affect our results of operations.
  • Our competitors or other third parties may incorporate AI into their products more quickly or more successfully than us, which could impair our ability to compete effectively and adversely affect our results of operations.

and 140 more.

Sentence-level comparison of Item 1A in the two most recent 10-Ks (FY2024 ↗, FY2025 ↗). A reworded sentence counts as one dropped and one added, so heavy edits read as low “kept”. Headings and page furniture are stripped; nothing is summarised by a model.

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