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IFRS 18 in ZenTreasury: a walkthrough. Register
Financial contract accounting Office of the CFO

Every financial contract, accounted for and auditor-verifiable.

ZenTreasury turns IFRS 16 leases, loans, FX positions and guarantees into schedules, journals, disclosures and an audit trail across entities, currencies and periods.

Built to support IFRS 18 classification from 2027.

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Trusted by finance and treasury teams worldwide

Contracts. Accounting. Compliance. In one financial system.

Every journal entry and every disclosure,  traceable back to the contract. backed by the audit trail.

Schedules ready Interest accrued FX revalued Indexation set Lease modified Report exported Voucher posted Audit logged Recomputed Forecast ready

Built for the Office of the CFO.

Group controllers, CFOs, treasury teams and auditors all work from the same contract data, calculations and evidence.

Group Controller

Consistent calculation logic across entities, currencies and periods.

Lease modifications, debt rollforwards and FX revaluations run the same way, with no spreadsheet rebuild.

CFO

The numbers are backed before the auditor asks.

Each number is traceable to the contract inputs used in the calculation. No year-end scramble to reconstruct the balance sheet.

Treasury Manager

From trade to books without the manual step.

FX positions and debt portfolios flow straight into accounting, so the GL sees the same numbers with no reconciliation lag.

Auditors & Stakeholders

The full trail behind every number.

Reports, the underlying agreements and the calculation trail sit in one place, so audit and board questions are answered from the system. Role-based permissions control who can create, edit or delete per module.

External auditors · Board members · PE/VC investors · Accountants & consultants

Your ERP posts the entry. It doesn't know the contract behind it.

One platform for lease accounting and treasury.

Every lease, loan, FX position and guarantee accounted for in one governed system, with the approvals and audit trail built in.

ZenTreasury

For group finance and treasury teams.

Includes
  • IFRS 16 lease accounting
  • Treasury accounting
  • Loans, bonds & debt portfolios Automate interest schedules, floating rates, FX revaluation and accounting across external and intercompany debt.
  • FX risk management
  • Guarantee management
  • Cash forecasting & liquidity
  • Approvals, audit trail & reporting
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ZenTreasury lease form
Cash management and forecasting

Connect your own AI to your data.

Point Claude, ChatGPT, or any MCP client at your tenant and ask in plain language.

ZenTreasury leasing dashboard: 17 leases by type, liabilities trend, and upcoming maturities
{ MCP }
What's in my lease portfolio?

17 leases: 11 machinery, 1 vehicle, 1 IT, 4 building & rent. Total liability about €16M, down from €24M as leases run off.

ZenTreasury leasing dashboard: 17 leases by type, liabilities trend, and upcoming maturities
{ MCP }
What's in my lease portfolio?

17 leases on your dashboard:

  • 11 machinery, 1 vehicle, 1 IT, 4 building & rent
  • Total lease liability about €16M, down from €24M as leases run off

Anything you want to drill into?

Anything maturing soon?

Two leases maturing soon:

  • #27 on 30 Sep 2026
  • #19 on 31 Dec 2026

I can read the schedules here; posting and remeasurement stay in ZenTreasury.

Ask about your leases, loans, FX positions…
Read-onlyToken-authenticatedTenant-scopedNative MCP
Works with
Claude ChatGPT Cursor and any MCP-capable client
See how ZenTreasury connects

Customers

Finance teams at international groups run on ZenTreasury.

Accountor Holding Oy case study IFRS 16

Finland

Accountor Holding Oy

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ALEC Engineering & Contracting case study IFRS 16

UAE

ALEC Engineering & Contracting

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Rapala VMC Oyj case study IFRS 16

Finland

Rapala VMC Oyj

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Lindström Oy case study Treasury

Finland

Lindström Oy

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FAQ

What is the difference between ZenTreasury and a general Treasury Management System (TMS)?
ZenTreasury is a financial contract accounting subledger, not a cash-management TMS. It focuses on turning leases, loans, FX positions and guarantees into auditor-verifiable journals, schedules and disclosures that feed your GL or ERP. A traditional TMS focuses on cash visibility and bank connectivity. ZenTreasury handles the accounting layer behind the contracts, not cash visibility.
Does ZenTreasury support IFRS 16 lease accounting?
Yes. ZenTreasury covers the full IFRS 16 lease lifecycle: initial recognition, right-of-use asset and lease liability schedules, modifications, remeasurements, index-linked indexation, foreign currency retranslation, and partial terminations. Calculations have been independently reviewed by an international audit firm.
Does ZenTreasury support US GAAP ASC 842?
Yes. The reporting framework is selected per entity, so a US group can run its domestic entities under ASC 842 and its international subsidiaries under IFRS 16, in one platform, with each entity measured under the framework you assign. ZenTreasury applies all five ASC 842 finance-lease criteria, including the present-value test against the discounted payment schedule, with manual override; operating leases carry a single straight-line lease cost with automatic ROU amortization; the short-term lease exemption is elective; and four ASC 842 disclosure reports are available. ASC 842 support is in early access under finance oversight. Classification and disclosure outputs support your accounting process; final accounting judgments remain the responsibility of the reporting entity.
Can ZenTreasury handle multi-entity and multi-currency lease and treasury portfolios?
Yes. ZenTreasury is built for multi-entity, multi-currency operations. Each customer gets a dedicated, isolated database. FX retranslation runs automatically at each reporting date across all subsidiaries and currencies.
Can I connect AI tools like ChatGPT or Claude to ZenTreasury data?
Yes. ZenTreasury includes a read-only MCP server. You can point Claude, ChatGPT, Cursor or any MCP-compatible client at your tenant and query lease and treasury data in plain language without leaving your AI tool.
How long does it take to implement ZenTreasury?
Your environment is provisioned automatically, typically within one to two days of confirming your currencies, users and domain, so there is no lengthy technical setup before onboarding begins. Most customers are live within four to eight weeks. Data readiness usually determines the date: teams whose lease and treasury contracts are already organised move considerably faster. Implementation covers data migration, ERP and API connections, chart of accounts and accounting rules, training, and a named contact through your first live reporting cycles.

See ZenTreasury in action.

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