Consultation by natural and legal persons ('registered persons')

Anyone can consult free of charge the data pertaining to them stored in the Central Point of Contact for accounts and financial contracts (CPC). The easiest and quickest way to do so is through the web application, although it is also possible to request an overview from the CPC in writing.

Online consultation: the easiest and fastest way!

The easiest and fastest way to consult your data in the CPC is through the web application.

This application can be accessed with itsme® or your electronic identity card (as for Tax-on-web). It is available at all times, with the exception of Sunday mornings from 8:00 to 12:00 and during site maintenance.
 

 NOTE  Submitted data are only posted online with a view days’ delay. This goes for both data received from account holders regarding foreign accounts and data from financial institutions and insurance companies regarding Belgian accounts, financial contracts and cash transactions.
More information on the CPC notification deadlines can be found in the applicable legislation.

To the web application of the CPC

Written procedure

This request must contain the following information:

  • a written, dated and signed request to access one’s own data in the CPC database; 
  • a clearly legible copy of the identity card (front and back) or, if not available, of a similar document of the person signing the request; in the case of legal persons, their authorised representatives must also submit a power of attorney;
  • the identification data required:
  • in the case of natural persons: name, official first name, date of birth, full home address;
  • in the case of legal persons: number under which they are registered at the Crossroads Bank for Enterprises, company name, legal form, full address of registered office.

The request must be sent to:
National Bank of Belgium
Central Point of Contact for accounts and financial contracts (CPC)
boulevard de Berlaimont 14
1000 Brussels

The National Bank of Belgium will send the outcome of this consultation free of charge:

  • in the case of natural persons: to the natural person’s address, as registered in the National Register of Natural Persons (whose data are consulted) or, if not available, to the address contained in the official identity document submitted by the person concerned;
  • in the case of legal persons: to the legal person’s address, as indicated in the Crossroads Bank for Enterprises (whose data are consulted) or, if not available, to the authorised representative’s address as registered in the National Register of Natural Persons.

The outcome of a consultation will always contain the following data:

  • in the case of domestic accounts, financial contracts and transactions involving cash: all data reported to the CPC that are stored in the CPC database (up to 10 years from the date of notification of the closure of the account or termination of the contract). 
  • in the case of foreign accounts: all accounts declared to the CPC by the resident (or his/her authorised representative) (up to 10 years from the date of notification of the closure of the foreign account). 

Specific situations

You are the guardian of a protected person.

 

You can consult this person’s data in the CPC database. To do so, you must submit the following:

  • the full order of the Justice of the Peace;
  • a copy of the front and back of your identity card;
  • a request signed by you. 

Please note that the requested data will only be sent by post to the legal address of the guardian. 

You are the administrator of the assets of a protected person.

 

Administrators of the assets of a protected person do not have access to the CPC. They must submit a request to the Justice of the Peace who appointed them.

This Justice of the Peace, who is entitled to access the information registered in the CPC database, can then request the list of the protected person’s data in the CPC via the online application of the FPS Justice and have these data included in the protection dossier.

You are an authorised representative who needs to consult someone else’s data.

 

Such consultation is possible upon presentation of the following documents: 

  • a valid power of attorney (explicitly including the authorisation to consult the data in the CPC database);
  • a request signed by the authorised representative;
  • a copy of the front and back of the identity card of the authorised representative and of the person whose data are consulted.

Please note: the requested data will only be sent by post to the legal address of the person whose data are consulted. 

You wish to consult the account(s) of a deceased family member in the context of an inheritance.

 

In this case, you must contact a notary. The notary is entitled to access the information and is the sole person who can consult the data in the CPC database in the context of a declaration of estate.

You are the guardian of a vacant succession

Guardians of vacant successions do not have access to the CPC database themselves. They must contact a notary. The notary is entitled to access the information and is the sole person who can consult the data in the CPC database in the context of a declaration of estate.

You are a trustee of a bankrupt company

Trustees of bankrupt companies exercise all powers of management over that company, including the right to inspect the company’s own data in the Central Point of Contact for accounts and financial contracts (CPC). They may access these data upon presentation of a copy of the front and back of their identity card and of their court appointment.

Please note that the requested data will only be sent by post to the address of the legal person registered at the Crossroads Bank for Enterprises.

Consulting the list

Any person may consult, on explicit request, the list of all institutions entitled to access the information which have consulted their data in the CPC database during the last six calendar months, unless exemption from communication is granted by virtue of Article 23(1) of the European General Data Protection Regulation. The persons concerned must send a written, dated and signed request to the CPC.

This procedure is similar to the written procedure for consultation of data by a registered person (see above).