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EXCHANGE COMMISSION**\n\n**WASHINGTON,\nD.C. 20549**\n\n \n\n**FORM\n20-F**\n\n \n\n(Mark\nOne)\n\n**☐\nREGISTRATION STATEMENT PURSUANT TO SECTION 12(B) OR 12(G) OF THE SECURITIES**\n\n**EXCHANGE\nACT OF 1934**\n\n \n\n**OR**\n\n \n\n☒\n**ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT**\n\n**OF\n1934**\n\n \n\n**For\nthe fiscal year ended December 31, 2025**\n\n**OR**\n\n \n\n☐\n**TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE**\n\n**ACT\nOF 1934**\n\n \n\n**OR**\n\n \n\n☐\n**SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES**\n\n**EXCHANGE\nACT OF**\n\n**1934**\n\n \n\n**Date\nof event requiring this shell company report……………….**\n\n \n\n**Commission\nFile Number: 001-42839**\n\n \n\n**ChowChow\nCloud International Holdings Limited**\n\n(Exact\nname of Registrant as specified in its charter)\n\n \n\n**Not\napplicable**\n \n**Cayman\nIslands**\n\n(Translation\nof Registrant’s name into English)\n \n(Jurisdiction\nof incorporation or organization)\n\n \n\n**8/F,\nKwok Kee Group Centre,**\n\n**107\nHow Ming Street, Kwun Tong,**\n\n**Kowloon,\nHong Kong**\n\n(**Address\nof Principal Executive Offices**)\n\n 000000\n\n**Yee\nKar Wing, Chief Executive Officer**\n\n**+852\n3461 3788**\n\n**8/F,\nKwok Kee Group Centre,**\n\n**107\nHow Ming Street, Kwun Tong,**\n\n**Kowloon****,\nHong\nKong**\n\n**(Name,\nTelephone, Email and/or Facsimile number and Address of Company Contact Person)**\n\n \n\nSecurities\nregistered or to be registered pursuant to Section 12(b) of the Act:\n\n \n\n**Title\nof each class**\n \n**Trading\nSymbol**\n \n**Name\nof each exchange on which registered**\n\nOrdinary\nShares, par value $0.0001 per share\n \nCHOW\n \nNYSE\nAmerican\n\n \n\nSecurities\nregistered or to be registered pursuant to Section 12(g) of the Act: None\n\n \n\nSecurities\nfor which there is a reporting obligation pursuant to Section 15(d) of the Act: None\n\n \n\nIndicate\nthe number of outstanding shares of each of the issuer’s classes of capital or common stock as of the close of the period covered\nby the annual report: 35,490,000 Ordinary Shares, par value $0.0001 per share, as of December 31, 2025.\n\n \n\nIndicate\nby check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☒\n\n \n\nIf\nthis report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section\n13 or 15(d) of the Securities Exchange Act of 1934. Yes ☐ No ☒\n\n \n\nIndicate\nby check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange\nAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)\nhas been subject to such filing requirements for the past 90 days. Yes ☒ No ☐\n\n \n\nIndicate\nby check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule\n405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant\nwas required to submit such files). Yes ☐ No ☒\n\n \n\nIndicate\nby check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or an emerging growth\ncompany. See definition of “large accelerated filer”, “accelerated filer,” and “emerging growth company”\nin Rule 12b-2 of the Exchange Act.\n\n \n\nLarge\naccelerated filer ☐\n \nAccelerated\nfiler ☐\n \nNon-accelerated\nfiler ☒\n\n \n \n \n \nEmerging\ngrowth company ☒\n\n \n\nIf\nan emerging growth company that prepares its financial statements in accordance with U.S. GAAP, indicate by check mark if the registrant\nhas elected not to use the extended transition period for complying with any new or revised financial accounting standards† provided\npursuant to Section 13(a) of the Exchange Act. ☐\n\n \n\n†\nThe term “new or revised financial accounting standard” refers to any update issued by the Financial Accounting Standards\nBoard to its Accounting Standards Codification after April 5, 2012.\n\n \n\nIndicate\nby check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:\n\n \n\nU.S. GAAP ☒\n \nInternational\nFinancial Reporting Standards as issued by the International Accounting Standards Board ☐\n \nOther\n☐\n\n \n\nIf\n“Other” has been checked in response to the previous question, indicate by check mark which financial statement item the\nregistrant has elected to follow. Item 17 ☐ Item 18 ☐\n\n \n\nIf\nsecurities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant\nincluded in the filing reflect the correction of an error to previously issued financial statements. ☐\n\n \n\nIndicate\nby check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation\nreceived by any of the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b). ☐\n\n \n\nIf\nthis is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange\nAct). Yes ☐ No ☒\n\n \n\n(APPLICABLE\nONLY TO ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE PAST FIVE YEARS)\n\n \n\nIndicate\nby 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\nExchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court. Yes ☐ No ☐\n\n \n\n \n\n \n\n \n\n \n\n \n\n**TABLE\nOF CONTENTS**\n\n \n\n \n \n**Page**\n\n \n \n \n\n[CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS](#wg_001)\nii\n\n[INTRODUCTION](#wg_002)\niii\n\n[PART I](#wg_003)\n1\n\n \n[ITEM 1. IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERS](#wg_004)\n1\n\n \n[ITEM 2. OFFER STATISTICS AND EXPECTED TIMETABLE](#wg_005)\n1\n\n \n[ITEM 3. KEY INFORMATION](#wg_006)\n1\n\n \n[ITEM 4. INFORMATION ON THE COMPANY](#wg_007)\n30\n\n \n[ITEM 4A. UNRESOLVED STAFF COMMENTS](#wg_008)\n41\n\n \n[ITEM 5. OPERATING AND FINANCIAL REVIEW AND PROSPECTS](#wg_009)\n41\n\n \n[ITEM 6. DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEES](#VK_001)\n59\n\n \n[ITEM 7. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS](#VK_002)\n67\n\n \n[ITEM 8. FINANCIAL INFORMATION](#VK_003)\n68\n\n \n[ITEM 9. THE OFFER AND LISTING](#VK_004)\n69\n\n \n[ITEM 10. ADDITIONAL INFORMATION](#VK_005)\n69\n\n \n[ITEM 11. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKS](#VK_006)\n85\n\n \n[ITEM 12. DESCRIPTION OF SECURITIES OTHER THAN EQUITY SECURITIES](#VK_007)\n85\n\n[PART II](#VK_008)\n85\n\n \n[ITEM 13. DEFAULTS, DIVIDEND ARREARAGES AND DELINQUENCIES](#VK_009)\n85\n\n \n[ITEM 14. MATERIAL MODIFICATIONS TO THE RIGHTS OF SECURITY HOLDERS AND USE OF PROCEEDS](#VK_010)\n85\n\n \n[ITEM 15. CONTROLS AND PROCEDURES](#VK_011)\n86\n\n \n[ITEM 16. [RESERVED]](#VK_012)\n86\n\n \n[ITEM 16A. AUDIT COMMITTEE FINANCIAL EXPERT](#VK_013)\n86\n\n \n[ITEM 16B. CODE OF ETHICS](#VK_014)\n86\n\n \n[ITEM 16C. PRINCIPAL ACCOUNTANT FEES AND SERVICES](#VK_015)\n86\n\n \n[ITEM 16D. EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES](#VK_016)\n87\n\n \n[ITEM 16E. PURCHASES OF EQUITY SECURITIES BY THE ISSUER AND AFFILIATED PURCHASERS](#VK_017)\n87\n\n \n[ITEM 16F. CHANGE IN REGISTRANT’S CERTIFYING ACCOUNTANT](#VK_018)\n87\n\n \n[ITEM 16G. CORPORATE GOVERNANCE](#VK_019)\n87\n\n \n[ITEM 16H. MINE SAFETY DISCLOSURE](#VK_020)\n87\n\n \n[ITEM 16I. DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS.](#VK_021)\n87\n\n \n[ITEM 16J. INSIDER TRADING POLICIES](#VK_022)\n87\n\n \n[ITEM 16K. CYBERSECURITY](#VK_023)\n87\n\n[PART III](#VK_024)\n87\n\n \n[ITEM 17. FINANCIAL STATEMENTS](#VK_025)\n87\n\n \n[ITEM 18. FINANCIAL STATEMENTS](#VK_026)\n87\n\n \n[ITEM 19. EXHIBITS](#VK_027)\n88\n\n \n\ni\n\n \n\n \n\n**CAUTIONARY\nNOTE REGARDING FORWARD-LOOKING STATEMENTS**\n\n \n\nThis\nannual report on Form 20-F (including information incorporated by reference herein, the “Report”) is being filed by ChowChow\nCloud International Holdings Limited, an exempted company incorporated under the laws of the Cayman Islands. Unless otherwise indicated,\n“we,” “us,” “our,” the “Group” and similar terminology refer to ChowChow Cloud International\nHoldings Limited and its subsidiaries.\n\n \n\nForward-looking\nstatements are typically identified by words such as “plan,” “believe,” “expect,” “anticipate,”\n“intend,” “outlook,” “estimate,” “forecast,” “project,” “continue,”\n“could,” “may,” “might,” “possible,” “potential,” “predict,”\n“should,” “would” and other similar words and expressions, but the absence of these words does not mean that\na statement is not forward- looking. Forward-looking statements in this Report may include, for example, statements about:\n\n \n\n \n●\nassumptions\nabout our future financial and operating results, including revenue, income, expenditures, cash balances, and other financial items;\n\n \n \n \n\n \n●\nour\nability to execute our growth, and expansion, including our ability to meet our goals;\n\n \n \n \n\n \n●\ncurrent\nand future economic and political conditions;\n\n \n \n \n\n \n●\nour\ncapital requirements and our ability to raise any additional financing which we may require;\n\n \n \n \n\n \n●\nour\nability to further enhance our brand recognition;\n\n \n \n \n\n \n●\nour\nability to hire and retain qualified management personnel and key employees in order to enable us to develop our business; and\n\n \n \n \n\n \n●\nother\nassumptions described in this Report underlying or relating to any forward-looking statements.\n\n \n\nThese\nforward-looking statements are based on information available as of the date of this Report, and current expectations, forecasts and\nassumptions, and involve a number of judgments, risks and uncertainties. Accordingly, forward-looking statements should not be relied\nupon as representing our views as of any subsequent date, and we do not undertake any obligation to update forward-looking statements\nto reflect events or circumstances after the date they were made, whether as a result of new information, future events or otherwise,\nexcept as may be required under applicable securities laws.\n\n \n\nYou\nshould not place undue reliance on these forward-looking statements. New risk factors and uncertainties emerge from time to time and\nit is not possible for our management to predict all risk factors and uncertainties, nor can we assess the impact of all factors on our\nbusiness or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained\nin any forward-looking statements. As a result of a number of known and unknown risks and uncertainties, our actual results or performance\nmay be materially different from those expressed or implied by these forward-looking statements.\n\n \n\nThis\nReport also contains statistical data and estimates that we obtained from industry publications and reports generated by third-party\nproviders of market intelligence. These industry publications and reports generally indicate that the information contained therein was\nobtained from sources believed to be reliable, but do not guarantee the accuracy and completeness of such information.\n\n \n\nii\n\n \n\n \n\n**INTRODUCTION**\n\n \n\nWe\nare a holding company incorporated in the Cayman Islands. As a holding company with no material operations, our operations are conducted\nby our indirect wholly-owned subsidiary, Sereno Cloud Solution HK Limited (“SCS”), in Hong Kong, a special administrative\nregion of the People’s Republic of China (the “PRC”).\n\n \n\nOur\nconsolidated financial statements are presented in U.S. dollars. All references in this Report to “$,” “U.S. $,”\n“U.S. dollars” and “dollars” mean U.S. dollars, unless otherwise noted.\n\n \n\nUnless\notherwise stated or unless the context otherwise requires, the terms “we,” “us,” “our,” “ours,”\nand “the Group” refer to ChowChow Cloud International Holdings Limited, an exempted company incorporated under the laws of\nthe Cayman Islands, and its subsidiaries. In addition, in this Report:\n\n \n\n \n●\n“AI”\nrefers to artificial intelligence, the technology that enables computers and machines to simulate human learning, comprehension,\nproblem solving, decision making, creativity and autonomy;\n\n \n \n \n\n \n●\n“China”\nor the “PRC” refers to the People’s Republic of China, including Hong Kong and the Macau Special Administrative\nRegions of the People’s Republic of China;\n\n \n \n \n\n \n●\n“cloud\ncomputing” refers to the on-demand access of computing resources, such as physical servers or virtual servers, data storage,\nnetworking capabilities, application development tools, software, AI-powered analytic tools, over the Internet with pay-as-you-go\npricing;\n\n \n \n \n\n \n●\n“cloud\nmanaged services” refers to the complete or partial management and control of a client’s cloud resources;\n\n \n \n \n\n \n●\n“cloud\nsolutions” refers to a service that provides various computing resources, such as storage, applications, and processing power,\nover the Internet;\n\n \n \n \n\n \n●\n“HK$”\nor “HKD” refer to Hong Kong dollar(s), the legal currency of Hong Kong;\n\n \n \n \n\n \n●\n“Hong\nKong” refers to the Hong Kong Special Administrative Region of the People’s Republic of China;\n\n \n \n \n\n \n●\n“Hybrid\ncloud” refers to a combination of public and private clouds connected to each other by technology that allows data and applications\nto be shared between them;\n\n \n \n \n\n \n●\n“Infrastructure\nas a service” or “IaaS” refers to the type of cloud computing service that offers essential compute, storage, and\nnetworking resources on demand, on a pay-as-you-go basis;\n\n \n \n \n\n \n●\n“IT”\nrefers to information technology;\n\n \n \n \n\n \n●\n“Mainland\nChina” refers to the mainland of the People’s Republic of China; excluding Taiwan, Hong Kong and the Macau Special Administrative\nRegions of the People’s Republic of China for the purposes of this Report only;\n\n \n \n \n\n \n●\n“Ordinary\nShares” refer to our ordinary shares, par value US$0.0001 per share;\n\n \n \n \n\n \n●\n“PRC\ngovernment” or “Chinese government” refers to the government and governmental authorities of Mainland China for\nthe purposes of this Report only;\n\n \n \n \n\n \n●\n“Private\ncloud” refers to cloud computing resources used exclusively by a single business or organization refers to clouds owned and\noperated by third-party cloud service providers, which deliver computing resources such as servers and storage over the Internet to\nmany different companies;\n\n \n \n \n\n \n●\n“Public\ncloud” refers to clouds owned and operated by third-party cloud service providers,\nwhich deliver computing resources such as servers and storage over the Internet to many different companies;\n\n \n \n \n\n \n●\n“R&D”\nrefers to research and development;\n\n \n \n \n\n \n●\n“SCS”\nrefers to Sereno Cloud Solution HK Limited, a Hong Kong company; and\n\n \n \n \n\n \n●\n“US$,”\n“U.S. dollars,” “$” and “dollars” refer to United States dollar(s), the legal currency of the\nUnited States.\n\n \n\niii\n\n \n\n \n\n**PART\nI**"}