Injunctions, five-figure fines, card withdrawal: is your estate agency really prepared for an AML check?
In Belgium as in France, the SPF Economy and the DGCCRF have drastically intensified their waves of inspections. In 2026, the absence of a timestamped KYC register will no longer be tolerated.
*✓ Configuration in 2 minutes — Compliant with Belgian law (2017/2022) & French law (Monetary Code)
Why 9 out of 10 agencies fail during inspection
Absence of Audit Trail
You requested the buyer's identity card, but you did not keep any timestamped and unalterable analysis report.
No PPE & Sanctions screening
No evidence of querying global asset freeze databases at the time of signing the agreement.
Non-existent risk assessment
The absence of an internal mapping (RGA) formalising your firm's security policy.
Unresolved UBO opacity
Selling or renting to a company (SRL, SCI) without having formally mapped individuals owning more than 25% of the shares.
An AML check without a traceable file can paralyse your business
Thinking that "it only happens to others" is today the most costly risk for an agency manager. Administrative sanctions are issued every week:
Up to €100,000 fine
Imposed by the SPF Economy or the DGCCRF for lack of sanctions screening or failure to maintain an UBO register.
Withdrawal of the professional card (IPI / Carte T)
The outright prohibition of carrying out intermediation acts.
Named publication (Name & Shame)
Your name publicly associated with anti-money laundering breaches on official sites.
Transform 3 hours of paperwork into 30 seconds of automation
UBO Mapping & Holding Cascades
Without Onbora : 45 minutes to manually analyse company registers and statutes.
With Onbora : Engine Smart UBO that instantly untangles complex structures (SRL, SCI, SA).
Risk Level Assessment
Without Onbora : Empirical and subjective assessment without standardised methodology.
With Onbora : Risk Scoring algorithmic aligned with the criteria of the SPF Economy and the DGCCRF.
Evidence Register for Inspections
Without Onbora : Supporting documents scattered in subfolders or paper files.
With Onbora : One-click generation of a timestamped and tamper-proof PDF report (Audit Trail).
PPE Screening & Sanctions Lists
Without Onbora : Random Google searches or invalid partial checks during an audit.
With Onbora : Real-time querying of official global databases (UN, EU, OFAC).
Comprehensive protection for a fraction of the cost of a fine
An average administrative fine amounts to 15,000 €.
The Onbora subscription represents less than 2% of this amount per year to cover your entire transaction portfolio.
No more unnecessary risks. Get your free compliance assessment.
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