Company: CHOW
Filing Date: 2025-08-22
Form Type: F-1/A
Source: 0001641172-25-025146
Chunk: 104

Company: ChowChow Cloud International Holdings Ltd
Filing Date: 2025-08-22
Form: F-1/A
Chunk 104
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 US$        |         |     | US$       |         |     | US$   |         |
| Contractual             
 Obligations:            |     |               |        |     |            |         |     |            |         |     |           |         |     |       |         |
| Bank                    
 borrowings              |     |               |        |     |            |         |     |            |         |     |           |         |     |       |         |
| Principal               
 payments                |     |               | 36,462 |     |            | 130,167 |     |            | 138,204 |     |           | 336,193 |     |       | 641,026 |
| Interest                
 payments                |     |               | 18,957 |     |            |  32,568 |     |            |  24,531 |     |           |  23,180 |     |       |  99,236 |
| Operating               
 lease obligation        |     |               | 28,772 |     |            |       - |     |            |       - |     |           |       - |     |       |  28,772 |
| Total                   
 contractual obligations |     |               | 84,191 |     |            | 162,735 |     |            | 162,735 |     |           | 359,373 |     |       | 769,034 |

Off-Balance Sheet Arrangements

We have no off-balance sheet arrangements, including arrangements that would affect our liquidity, capital resources, market risk support, and credit risk support or other benefits.

Concentration of Risks

Political, Social and Economic Risks

Our main operations are located in Hong Kong. Accordingly, our business, financial condition, and results of operations may be influenced by political, economic, and legal environments in Hong Kong, as well as by the general state of the economy in Hong Kong. Our results may be adversely affected by changes in the political, regulatory and social conditions in Hong Kong. Although we have not experienced losses from these situations and believe that we are in compliance with existing laws and regulations including our organization and structure disclosed in Note 1 to the consolidated financial statements, such experience may not be indicative of future results.

Our business, financial condition and results of operations may also be negatively impacted by risks related to natural disasters, extreme weather conditions, health epidemics and other catastrophic incidents, which could significantly disrupt our