International audienceWe study the impact of gas accretion on the orbital evolution of black-hole binaries initially at large separation in the band of the planned Laser Interferometer Space Antenna (LISA). We focus on two sources: (i)~stellar-origin black-hole binaries~(SOBHBs) that can migrate from the LISA band to the band of ground-based gravitational-wave observatories within weeks/months; and (ii) intermediate-mass black-hole binaries~(IMBHBs) in the LISA band only. Because of the large number of observable gravitational-wave cycles, the phase evolution of these systems needs to be modeled to great accuracy to avoid biasing the estimation of the source parameters. Accretion affects the gravitational-wave phase at negative ($-4$) post-...