The account under the wrong name

A company's legal identity — registered name, address, partners and authorised representatives — does not live in one place. Every bank the company deals with keeps its own copy, and that copy only gets updated when someone remembers to tell it. An amendment filed with the Commercial Registry corrects the official record instantly; correcting the record at each bank is a separate task, done by someone else, on another day — and it often does not get done.

That is how the mismatch shows up without warning. A credit line approved by a fund gets stuck at disbursement because the wire transfer rejects a beneficiary whose name does not match, letter for letter, what is on file. A large client, with its own compliance department, holds a payment because the name on the invoice differs from the name registered on the receiving account. And the gap between filing the amendment and each bank processing the update is exactly the window in which the company is compliant with the tax authority and out of order in its cash.

From that follows the sequence that avoids the problem: updating the record is the first step, not the last — and confirming in writing, bank by bank, that the update has landed, before relying on any of those accounts for financing or meaningful receivables. Finding the mismatch in the middle of a deal costs far more time than confirming it beforehand would have.

The test is a one-line request, made today: ask for the registration record of every bank account the company holds and compare it, field by field, against the latest amendment filed with the Commercial Registry — registered name, address, partners and authorised representatives. Any discrepancy, however small, is already the finding.

In the house, this sits with Banking standing.

The other notes

InnConta Notes

Each note starts from a sourced figure, explains the mechanism behind it and ends with a test you can run yourself, today, without calling us. They are deliberately short pieces: what does not fit in them fits in a conversation.

A note does not replace the review — it shows the mechanism and gives the reader back the ability to check alone. That is deliberate: whoever understands the mechanism negotiates better, including with us.

If the reading raises a question the note does not answer, it is probably the right question. Worth sending: answering a new question is the cheapest way to find out what we have not explained properly yet.

• Old credit has an expiry dateThe recovery window moves on its own: and always in the same direction.
• Split payment: float goes to zeroThe gap between collecting and remitting was working capital. It is about to disappear.
• Inheritance tax has a ceiling — and it is far awayProgressive rates ceased to be a state's option. The movement has only one direction.
• Zero rate is decided item by itemClassification belongs neither to the sector nor to the company. It belongs to each product.
• Contracted demand is paid in fullReserved capacity is charged used or not: and it is almost never revised.
• The year choosing stopped being a privilegeEvery high-voltage consumer can change supplier. Few know it, fewer still have done the arithmetic.
• The three hours that decide the whole billPeak hours fit into a short window. The battery exists to cross it.
• Zero grid: what disconnection really costsLeaving the grid is technically possible. It is the bill that remains that tends to surprise.
• The plant that pays for itself is the one sized by the billPanels are a commodity. What separates a good project from an expensive one comes before them.

The Order Method, in five stages

• 01 Authorisation and secrecy — first notice
• 02 Collection at the official source — second notice
• 03 Opinion with a calculation trail — third notice
• 04 Execution by the ordinary route — fourth notice
• 05 Closing with proof — fifth notice
• Before the first stage, a conversation; after the fifth, the account under management.

The alignment

• Diagnosis with defined scope, timeline and price: credited against success.
• Remuneration on realised benefit: cash refunded, credit offset or liability extinguished. Success is measured on a statement, not in an opinion.
• Defence included in any audit of what we assessed.
• Affiliation declared in writing when execution involves a group company.
• The data belongs to the client. Restricted use, secrecy at every stage and verified deletion.

What we do not do

We do not promise a percentage before looking at the data, we do not promise a homologation date — the procedure belongs to the State: and we do not chase speculative theses to fatten an opinion. Nor do we take commission for referring anyone.

The first step

A conversation, with no materials and no proposal, to understand what is blocked. If there is matter to work on, the next step is the letter of authorisation and secrecy, a document that limits our own access before anything else.

Where to check for yourself

Every statement on this page comes from a public norm, and the links above lead to the full text: not to the agency's portal. That is deliberate: whoever wants to check can check alone, which is the only kind of trust that does not depend on whoever asks for it.

What we check

• Registered name matching, letter for letter, at every bank and in the tax authority's record
• Authorised representatives updated after every change of partner or officer
• Registered address identical to the one filed with the Commercial Registry
• Account held in the company's own name, never a partner's, even at a new company
• Written confirmation from each bank after any update requested

How the house reads a thesis, and what goes in writing

How we read a thesis

Settled

Consolidated understanding and a known procedure. Executed by the administrative route, with a calculation trail.

Probable

There is a basis and precedent, but divergence remains. It enters with its degree declared: and the decision is the client's.

Speculative

A fragile thesis, or one with disproportionate risk. It does not enter. Declining is part of the service, not a failure of it.

No thesis moves forward without its classification written beside it. That is what separates a survey from a promise.