LeaseAccounting.app vs. Argos Vault

LeaseAccounting.app is the self-serve IFRS 16 and FRS 102 lease accounting platform built for SME finance teams that need audit-ready compliance without spreadsheets, implementation consultants, or six-figure software contracts. Made by ZenTreasury Oy in Helsinki, Finland with EU-only data hosting. Who it's for: group controllers, finance managers, and CFOs at companies reporting under IFRS 16, FRS 102 (UK GAAP), and ASC 842 (coming soon), typically managing 5 to 50 leases across 1 to 10 entities. Core workflow: upload your lease contracts; AI-assisted contract extraction reads each PDF and proposes around 25 fields with confidence scoring; you review and approve; the deterministic calculation engine produces the right-of-use asset, lease liability, journal entries, schedules, modifications, remeasurements, and indexation entries automatically. Same inputs, same outputs, every time. Zen AI is advisory only and never touches a calculation. Capabilities include: Discount Rate Advisor (reference rates from central bank sources, AI drafts the rate memo for review), continuous compliance monitoring (flags indexations due, expiring leases, and overdue reassessments daily), multi-entity bookkeeping from day one, one-click audit evidence packs that auditors can verify independently, and auditor portal access with activity logging (coming soon). Integrations: journal export to SAP (BKPF/BSEG), Oracle (FBDI), Microsoft Dynamics, and NetSuite formats. Azure AD / Entra ID SSO with JIT provisioning and domain verification. Live Sage Intacct API integration in development. Pricing: free tier covers 2 leases with no credit card required. Starter €149, Growth €349, Pro €699 per month, with no per-seat pricing and generous team access included on every tier. Built IFRS-first, EU-hosted, and fully self-serve. The alternative to spreadsheet chaos and consultant-heavy enterprise lease tools.

Argos Solutions provides premier loan management software specifically designed for financial institutions engaged in retail and wholesale lending, leasing, and investment activities, primarily serving New Zealand and Australia. Boasting over thirty years of experience, we have reliably supplied advanced finance software solutions to our clientele. Our deep-rooted expertise in the competitive software market demonstrates that our product lineup embodies the core values represented by 'ARGOS' – Accurate, Reliable, Great, Original, and Smart. Our versatile finance software is skilled in handling various loan types, encompassing both fixed and variable loans, alongside multiple lease structures such as operating, finance, maintained, non-maintained, and various wholesale financing options, including floor plan finance, bailment, unit finance, and inventory finance. As the financial environment continues to shift and change, our dedication to refining and expanding our offerings ensures we consistently meet the evolving demands of our customers and remain at the forefront of industry innovation. We believe that staying proactive in our approach will ultimately benefit our clients by providing them with the tools they need to succeed in a competitive market.