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Financial contract accounting Office of the CFO

Every financial contract, accounted for and auditor-verifiable.

ZenTreasury turns IFRS 16 leases, loans and FX positions 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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Founded in Finland. Trusted by finance and treasury teams worldwide

Contracts. Accounting. Compliance. In one financial system.

Each journal entry and disclosure, traceable back to the contract.

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

Schedules ready Interest accrued FX settled 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 period-end retranslation 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 produce their accounting entries in the same system, so the GL receives the same numbers without a reconciliation step.

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.

For group finance and treasury teams: every lease, loan and FX position accounted for, with guarantees tracked alongside, in one system with the approvals and audit trail built in.

The ZenTreasury Overview dashboard: bank balances and the contractual cash outlook over the next twelve months, net debt built from loans and borrowings plus lease liabilities less cash, the September 2026 accounting close marked done with leasing, loans and money market and foreign exchange all complete, the financial position broken down into non-current and current liabilities by instrument, right-of-use assets by class, guarantees and FX notional off balance sheet, with debt maturity by time band, and the material cash events due in the next 90 days

  • Leases

    • IFRS 16 lease accounting
    • Property, vehicle, machinery and IT leases
    • Right-of-use asset and lease liability schedules
    • Modifications, remeasurements and indexation

  • Loans, deposits & bonds

    • Bank loans, intercompany loans and deposits
    • Commercial paper and bonds
    • Interest rate and cross-currency swaps (IRS, CCIRS)
    • Floating-rate resets and interest schedules
    See loans, deposits and bonds

  • FX contracts

    • Spot, forwards and FX swaps
    • Cross-currency deals
    • Trade capture through settlement

  • Guarantees & trade finance

    • Bank and corporate guarantees
    • Letters of credit
    • Fees, claims and expiry monitoring
    • Exposure against counterparty limits

Across the platform: accounting entries mapped by posting rules and exported to your accounting system, cash forecasting, approvals, audit trail and reporting, with multi-entity and multi-currency support.

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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, the lease liability trend and upcoming events
{ MCP }
What's in my lease portfolio?

17 leases: 6 machinery, 4 vehicle, 3 IT, 4 building & rent. Total liability about €9.1M, running off to €6.4M by late 2027.

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

17 leases on your dashboard:

  • 6 machinery, 4 vehicle, 3 IT, 4 building & rent
  • Total lease liability about €9.1M, running off to €6.4M by late 2027

Anything you want to drill into?

Anything maturing soon?

Next lease event:

  • LS-2022-009 ends 30 Nov 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

Enabled on request for your tenant by your administrator.

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Customers

Finance teams at international groups run on ZenTreasury.

Accountor Holding Oy case study

Finland

Accountor Holding Oy

Read case study
ALEC Engineering & Contracting case study

UAE

ALEC Engineering & Contracting

Read case study
Rapala VMC Oyj case study

Finland

Rapala VMC Oyj

Read case study
Lindström Oy case study

Finland

Lindström Oy

Read case study

How can we improve the way you manage treasury and lease accounting?

We work with your team to define the right scope, design the setup and implement ZenTreasury around your contracts, accounting and reporting processes.

  1. 01

    Define what you need

    We work through your contracts, entities, accounting requirements and reporting process with your team, and agree what belongs in scope.

  2. 02

    Design the right setup

    Together we decide how the portfolio is structured, how accounting rules and reporting should work, and how accounting data should be handed off to your accounting system.

  3. 03

    Implement it together

    We migrate and validate the data, configure ZenTreasury, run your first reporting cycles with you, and stay available afterwards.

See how we work with you

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 and FX positions into auditor-verifiable journals, schedules and disclosures that feed your GL or ERP, with guarantee fees, exposure, claims and expiry monitoring alongside. 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 and foreign currency retranslation. 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, accounting export setup and any applicable integrations and rate feeds, chart of accounts and accounting rules, training, and a named contact who sees you through your first live reporting cycles and stays with you afterwards.

See ZenTreasury in action.

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