File Your CAC Annual Returns Fast
Is your company status currently showing as "INACTIVE" on the CAC portal? Filing your Annual Returns is the only way to reactivate it, avoid massive daily penalties, and prevent the government from delisting your business entirely.
CAC Penalty Calculator
Calculate Outstanding Annual Returns Fees
Note: This is an estimated breakdown based on official CAC 2026 guidelines. Late filing fees accumulate per year of default.
Why Are Annual Returns Mandatory?
Under the Companies and Allied Matters Act (CAMA), every registered Business Name, Limited Liability Company, and Incorporated Trustee must file an Annual Return every single year, regardless of whether the business made any profit or even commenced operations.
It is essentially a yearly "proof of life" to the Federal Government. If you fail to file it, the CAC automatically assumes your business is dead and flags your public profile as "INACTIVE".
Bank Account Freezing
CBN regulations now mandate commercial banks to freeze the corporate accounts of any company whose CAC status reads "INACTIVE".
Massive Late Penalties
The CAC charges a severe penalty fee for every year you miss. If you ignore it for 5 years, you will be forced to pay 5 years' worth of accumulated penalties before you can make any changes to your company.
Contract & Visa Rejections
Embassies checking your business for a visa, or government agencies reviewing your bid for a contract, will instantly reject you if your company is inactive.
When Should You File?
What We Need From You
Filing your Annual Returns is straightforward when you use an accredited agent. We will assess your outstanding penalties, generate the required financial summaries, and file them on the portal to instantly turn your status back to "ACTIVE".
1For Business Names (Enterprises)
- Your Business Name Registration Number (BN Number)
- A copy of your CAC Certificate
- Estimated revenue/turnover for the year (we can assist with this)
2For Limited Companies & NGOs
- Your RC / IT Number
- Audited Financial Statements (if your turnover is above the threshold)
- Statement of Affairs (for small companies/startups that did not make huge profits)
Frequently Asked Questions
Everything you need to know about clearing your CAC Annual Returns default.
I have not made any money since I registered. Do I still have to file?
Yes! Even if your business has been completely dormant, made zero sales, or hasn't even launched yet, the law still requires you to file a "Nil Return". If you do not file, you will still be charged the late penalty.
How do I know how much I owe the CAC?
You can use our free Penalty Calculator at the top of this page! Just select your business type and the year you registered, and it will instantly calculate your total outstanding debt including all late penalties.
Can the CAC strike my company off the register?
Yes. The CAC has recently begun mass-delisting companies that have failed to file their Annual Returns for 10 years. Once delisted, your certificate becomes permanently invalid, your corporate bank account will be frozen indefinitely, and anyone else can legally steal your business name.
How long does it take to change my status back to ACTIVE?
Once we submit your filings and the penalties are cleared on the portal, the CAC usually updates your public search profile from "INACTIVE" to "ACTIVE" within 24 to 72 working hours.
Stop Accruing Penalties Today
Every day you delay, you risk losing your corporate bank account. Let our accredited experts clear your debt and reactivate your business immediately.
File Your Returns Now