What is ZenTreasury?

ZenTreasury is the financial contract accounting subledger for the Office of the CFO. Group controllers, CFOs, treasury managers, and auditors all work from the same contract data, because the ERP that posts the journal entry does not know the contract behind it.

Add a lease once and ZenTreasury generates the right of use asset, the liability, and the full period by period schedule automatically, with depreciation, interest, and balance carry forward following the standard from day one. Index-linked remeasurement is handled automatically: index rates, base values, applied dates, and next indexation dates are tracked per contract and applied on schedule. Every modification, including scope changes, term extensions, rate revisions, and partial terminations, triggers a recalculation and is logged with a timestamp and user, so the before and after picture is always there without a follow up request.

On the treasury side, ZenTreasury centralises FX position management (forwards, swaps, cross currency instruments with mark-to-market), internal and external loan and money market tracking with DCF valuation against yield curves and automated interest calculations, trade finance and guarantee monitoring with fee and exposure tracking, and group wide cash flow forecasting with scenario modelling. All multi entity, multi currency, with a complete per-field audit trail and direct bank connectivity.

Every customer gets a dedicated, isolated database, so lease and treasury data is never shared with other tenants. This is a meaningful differentiator for enterprise audit and GDPR requirements. Multi entity, multi currency, SSO (Azure, Entra, Google, Microsoft 365), MFA, and role-based access are all included.

It is one platform, not a bundle of modules: accounting is included, and pricing scales to the contracts, entities, and users you actually run. Lease calculations are independently reviewed by an international audit firm. Connect Claude, ChatGPT, or any MCP client

Pricing

Price Overview:
ZenTreasury is priced to the scope you run, with accounting included in the base license. Pricing is based on the contracts, reporting entities, users, bank accounts and modules in scope, not per seat. Modules include IFRS 16 lease accounting, FX, loans and money market, trade finance and guarantees, cash management, and cash flow forecasting. Implementation, dedicated support and custom integrations are scoped to your portfolio and quoted separately. All plans are cloud-hosted with two-factor authentication and Azure/Entra ID SSO. Request a proposal for a written quote.

Integrations

Offers API?:
Yes, ZenTreasury provides an API
No integrations listed.

Screenshots and Video

ZenTreasury

ZenTreasury

ZenTreasury Comprehensive Reporting: Generate detailed reports on lease changes, payments, and month-end summaries, exportable for seamless accounting integration. ZenTreasury offers powerful tools to manage lease compliance efficiently.

Company Facts

Company Name:
ZenTreasury
Date Founded:
2016
Company Location:
Finland
Company Website:
www.zentreasury.com
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Product Details

Deployment
SaaS
Training Options
Documentation Hub
Online Training
Webinars
On-Site Training
Video Library
Support
Web-Based Support

Product Details

Target Company Sizes
501-1000
1001-5000
5001-10000
10001+
Target Organization Types
Mid Size Business
Enterprise
Supported Languages
Arabic
English
Finnish

ZenTreasury Categories and Features

Treasury Software

ZenTreasury serves as a specialized financial contract accounting subledger tailored for treasury management, specifically designed for the Office of the CFO. It transforms foreign exchange (FX) transactions, loans, and guarantees into ready-to-audit journals, valuations, and disclosures, seamlessly integrating with the general ledger (GL) or enterprise resource planning (ERP) systems. With real-time rates and mark-to-market capabilities, it efficiently manages FX forwards, swaps, and spot transactions. It also handles loans and money market instruments with discounted cash flow (DCF) valuation based on yield curves and automates interest accrual. For guarantees and trade finance, it provides fee accrual and monitors exposure effectively. Additionally, it offers comprehensive cash flow forecasting for groups operating across multiple subsidiaries and currencies. Each client is allocated a unique, secure database environment. The platform supports multiple entities and currencies and includes features like single sign-on (SSO), multi-factor authentication (MFA), role-based access, and direct bank integration. It maintains a detailed audit trail for every transaction and valuation. Users can connect to Claude, ChatGPT, or any other managed client through a read-only managed client protocol (MCP) server, and they can export journals to any ERP system.

Cash Management
Debt Management
For Government
For Hedge Funds
Forecasting
Liquidity Management
Payment Management
Risk Management

Real Estate Investment Management Software

Lease Accounting Software

ZenTreasury serves as the dedicated lease accounting subledger for CFOs, streamlining the process by allowing users to input a lease just once to generate a comprehensive schedule that includes the right of use asset, lease liability, depreciation, interest, and balance carry forward—all automatically created in compliance with established standards from the outset. The system automatically manages index-linked remeasurement, ensuring that any changes—such as alterations in scope, extensions of terms, adjustments in rates, and partial terminations—trigger an updated schedule that is meticulously recorded with a timestamp and user identification. This feature provides auditors with a clear before-and-after overview without the need for additional inquiries. Designed to accommodate multi-entity and multi-currency portfolios, every client benefits from a unique and secure database. The platform incorporates Single Sign-On (SSO), Multi-Factor Authentication (MFA), and role-based access controls. Additionally, lease calculations undergo independent verification by a global audit firm, and users can easily export journal entries to any ERP system.

Amortization Schedule
Asset Management
Billing & Invoicing
Budgeting & Forecasting
Capitalization Reporting
Critical Date Alerts
Expense Tracking
For Equipment Leases
For Real Estate
Payment Tracking
Portfolio Management
Tax Management

Investment Management Software

Accounting Management
Benchmarking
Bonds / Stocks
Client Management
Commodities
Compliance Reporting
Data Import / Export
For Investment Advisors
For Investors & Traders
Fund Management
Modeling & Simulation
Payroll & Commissions
Performance Metrics
Portfolio Management
Risk Management

Finance Software

Currency Exchange Software

Analytical Reporting
Client Management
Custom Account Statements
Data Backup Scheduling
For Money Exchanges
Margin Management
Market Data Access
Position Management
Real Time Currency Quotes
Real Time Tracking
Transaction Management

Cash Flow Forecasting Software

More ZenTreasury Categories

ZenTreasury Customer Reviews

Write a Review
  • Reviewer Name: A Verified Reviewer
    Position: Group Treasurer
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 500 - 999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    User-friendly Treasury System

    Date: Jan 08 2025
    Summary

    Easy to use and quite flexible treasury system for loan portfolio reporting, FX deals reporting and leasing management.

    Positive

    Easy to use, good support, nice design. One of the standout features of ZenTreasury is its user-friendly interface. The system is visually clean, intuitive, and responsive.

    Negative

    Some of the reporting features could be more automated.

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Treasury Advisor
    Has used product for: 1-2 Years
    Uses the product: Weekly
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Super easy to use Treasury management system

    Date: Jan 03 2025
    Summary

    Overall very good experience with ZenTreasury team. Super helpful and response time is really fast.

    Positive

    Easy to configure
    Cloud-based
    Many different applications
    Really hands-on team
    New ideas updated to production very swiftly

    Negative

    Reporting still under construction
    Maybe bit too many things to combine

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Group Treasury Manager
    Has used product for: 2+ Years
    Uses the product: Weekly
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    ZenTreasury Treasury Management System

    Date: Dec 13 2024
    Summary

    Our Group has been using ZenTreasury TMS tool since 2019. Our overall experience has been very positive, both from usability, included features and cooperation point of view.

    ZenTreasury team is agile and understands our requirements for the system. The tool itself has been able to provide us with the data needed to follow our treasury processes, be aligned with IFRS requirements and decreased the need for manual excel-based processes.

    The system is also able to grow with the treasury function. The pricing is flexible, and new modules can be added when needed. You can start with a lean system and grow to a more extensive tool when needed.

    Positive

    ZenTreasury TMS is easy to use, easy to set up and follow, and all needed features are included in the tool to grow with the treasury function. The interface is intuitive, and we have been able to extract all needed reports from the system.

    Negative

    One of the cons of the original TMS version was the lack of approval flows in the system, which increased the risk for accidental adjustments by the day-to-day users. Fortunately, this has been added to the latest version!

    Read More...
  • Reviewer Name: A Verified Reviewer
    Position: Financial Controller
    Has used product for: 2+ Years
    Uses the product: Monthly
    Org Size (# of Employees): 26 - 99
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    ZenTreasury admin experience

    Date: Dec 30 2024
    Summary

    ZenTreasury lease module provides you with a solid IFRS16 accounting and facility management tool. Great and quick customer service.

    Positive

    ZenTreasury team is able to implement smaller requested improvements quickly to the production environment. Quite easy to maintain from the admin point of view. The data setup in the user interface enables versatile use of e.g. the lease data and not only from IFRS16 point of view but for facility management as well.

    Negative

    ZenTreasury is slightly rigid to use at first but once you learn the logic it’s build on, it gets easier.
    The facility management add-in could be further developed to provide e.g. additional automated calculations for facility management purposes.

    Read More...
  • Reviewer Name: Eveline S.
    Position: Group Treasurer
    Has used product for: 1-2 Years
    Uses the product: Monthly
    Org Size (# of Employees): 1,000 - 4,999
    Feature Set
    Layout
    Ease Of Use
    Cost
    Customer Service
    Would you Recommend to Others?
    1 2 3 4 5 6 7 8 9 10

    Zen at BearingPoint

    Date: Apr 14 2021
    Summary

    We were looking for a tool that could help us with our IFRS16 reporting. Zen offered us the best value for money. We have now used Zen for over 1.5 years. Throughout this period we have learned to use the tool better and also create a process internally for IFRS16. We are still very happy with the tool.

    Positive

    The Zen platform is very easy and user friendly
    Implementation was also effortless.
    The reporting tool is very useful.

    Negative

    We still have some internal requirements that we would like to see in the system.

    Read More...
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