Freedom251 › Lease Accounting Software
ZenTreasury
What ZenTreasury is
ZenTreasury is a financial contract accounting platform for finance and treasury teams. It turns leases, loans and foreign-exchange positions into schedules, journal entries, disclosures and an audit trail. For lease accounting, it supports IFRS 16 processes including recognition, modifications, remeasurement, indexation and foreign-currency retranslation. The maker says US entities can use ASC 842 while international subsidiaries use IFRS 16; ASC 842 support is in early access and subject to finance oversight.
The platform also covers deposits, money-market instruments, commercial paper, bonds, FX contracts, guarantees and trade finance. Controls include approval workflows, role-based access, module permissions, second-approver checks for critical treasury transactions and an audit trail. Accounting and ERP data can come through configurable files, scheduled imports or APIs; bank balances, transactions and executed FX trades can come through APIs, feeds or structured imports. Reporting and access options include Excel and PDF exports, Power BI, a REST API and read-only MCP access for AI assistants. ZenTreasury does not initiate payments or execute trades. Production servers and backup storage are in the EU, each customer has a separate database, and backup archives are AES-256 encrypted. It is available on the web and through an API.
Who it suits
ZenTreasury suits CFO-office finance and treasury teams, including group controllers, CFOs, treasury staff and auditors managing financial contracts across entities. It is relevant to organizations that need accounting schedules and controls for leases, loans, FX positions and other treasury instruments.
What it does well
- Covers IFRS 16 lease accounting processes and multiple treasury instruments.
- Supports multi-entity use and direct bank feeds.
- Offers configurable files, scheduled imports and API integrations.
- Includes approval workflows, role-based access and audit trails.
- Exports reports to Excel and PDF, Power BI and REST API.
What to know first
- Pricing is available on request, with implementation scoped separately.
- It does not initiate payments or execute trades.
- ASC 842 support is in early access under finance oversight.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Premium Plus | annually · up to 300 financial contracts · 10 user seats · 3 admin seats · 20 reporting companies · 40 bank accounts · one-time setup €4,999 · adds Audit Trail and Projects | €1,280 a month |
| Premium | annually · up to 100 financial contracts · 6 user seats · 1 admin seat · 10 reporting companies · 20 bank accounts · one-time setup €3,999 | €799 a month |
| ZenTreasury | Subscription scales with financial-contract portfolio size and activity · implementation scoped separately · customer-specific integration work scoped separately | On request |
| Enterprise | 300+ contracts · custom seats and entities · advanced integrations · enterprise SLAs · priority support | On request |
As zentreasury.com lists them, read 15 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the ZenTreasury website.
- Contact the maker for pricing and a subscription scoped to portfolio size and activity.
- Scope implementation and any customer-specific integration work.
- Prepare contract data; the maker says most customers go live within four to eight weeks, depending largely on data readiness.
- Connect accounting, ERP or bank data through supported imports, feeds or APIs.
Verdict
Choose ZenTreasury if your finance or treasury team needs contract accounting, controls and reporting across leases and treasury instruments. Consider another product if initiating payments or executing trades must be part of the platform.
Questions
What does ZenTreasury cost?
Pricing is available on request. Subscription cost scales with financial-contract portfolio size and activity; implementation and customer-specific integration work are scoped separately.
Which platforms does it support?
ZenTreasury is available on the web and through an API.
Which accounting standards does it support?
It supports IFRS 16 lease accounting. The maker says US entities can use ASC 842, which is in early access under finance oversight.
Can it connect to bank and ERP data?
Yes. It supports direct bank feeds and ERP integrations, with configurable files, scheduled imports and APIs among its data options.
Does ZenTreasury make payments or trades?
No. It does not initiate payments or execute trades.
Where is ZenTreasury based?
ZenTreasury Oy is a Finnish software company founded in Helsinki in 2016 and headquartered there.
Facts from ZenTreasury's own pages
- Access controls
- The platform provides Microsoft Entra ID single sign-on, multi-factor authentication, per-module permissions, company scoping and four-eye approvals. · zentreasury.com, 15 Oct 2026
- Accounting exports
- Posting rules map contract events to chart-of-accounts entries that can be exported to an accounting or ERP system. · zentreasury.com, 15 Oct 2026
- Accounting standards
- The maker says US entities can use ASC 842 while international subsidiaries use IFRS 16; ASC 842 support is in early access under finance oversight. · zentreasury.com, 8 Oct 2026
- AI extensibility
- Administrators can enable a read-only, tenant-scoped MCP connection for clients such as Claude, ChatGPT and Cursor; requests are logged. · zentreasury.com, 15 Oct 2026
- API
- A paid REST API add-on uses OAuth2 and includes 2,000 calls per year across endpoints. · zentreasury.com, 15 Oct 2026
- Banking limitation
- ZenTreasury states that it does not initiate payments or execute trades. · zentreasury.com, 15 Oct 2026
- Cash forecasting
- Cash forecasts combine contract data from FX, loans, leases, guarantees and forecast items across short-term, weekly and long-term views. · zentreasury.com, 15 Oct 2026
- Company
- ZenTreasury Oy is a Finnish software company founded in Helsinki in 2016 and headquartered in Helsinki. · zentreasury.com, 8 Oct 2026
- Company headquarters
- The headquarters address is Itämerenkatu 3, 00180 Helsinki, Finland, with a regional office in Dubai DIFC. · zentreasury.com, 15 Oct 2026
- Company history
- ZenTreasury says it was founded in Helsinki in 2016 by Lars Nevalainen and remains founder-owned. · zentreasury.com, 15 Oct 2026
- Company legal name
- The Finnish contracting entity is ZenTreasury Oy, business ID 2762104-2; a Dubai entity named ZenTreasury Technologies Ltd also contracts with customers outside the EU/EEA. · zentreasury.com, 15 Oct 2026
- Company size
- LinkedIn lists ZenTreasury as privately held with 2–10 employees and headquarters in Helsinki. · linkedin.com, 15 Oct 2026
- Compliance evidence
- ZenTreasury publishes a CSA STAR Level 1 CAIQ self-assessment and says an international audit firm independently reviewed its IFRS 16 calculations. · zentreasury.com, 15 Oct 2026
- Controls
- Included controls include approval workflows, an audit trail and role-based access. · zentreasury.com, 8 Oct 2026
- Data portability
- EU and EEA customers can request structured exports such as CSV or Excel, with at least 30 days to retrieve data after termination. · zentreasury.com, 15 Oct 2026
- Encryption and backups
- Traffic uses TLS 1.2 or higher with HSTS, while customer databases receive nightly off-site backups encrypted with AES-256. · zentreasury.com, 15 Oct 2026
- Founded
- 2016 · zentreasury.com, 28 Sept 2026
- Funding and ownership
- Crunchbase lists ZenTreasury as private and seed-stage, identifies Lars Nevalainen as founder and CEO, and names ZenTreasury Oy as the legal name. · crunchbase.com, 15 Oct 2026
- Headquarters
- Helsinki, Finland · zentreasury.com, 28 Sept 2026
- Identity and approvals
- The product supports Microsoft Entra ID single sign-on, multi-factor authentication, per-module permissions and second-approver checks for critical treasury transactions. · zentreasury.com, 8 Oct 2026
- Implementation
- The company says environments are normally provisioned in one to two days and most implementations go live within four to eight weeks. · zentreasury.com, 15 Oct 2026
- Integrations
- The service supports configurable files, scheduled feeds and APIs for ERP, accounting, banking, trading-platform and market-rate data. · zentreasury.com, 15 Oct 2026
- Intended users
- ZenTreasury is aimed at Office of the CFO finance and treasury teams, including group controllers, CFOs, treasury teams and auditors. · zentreasury.com, 8 Oct 2026
- Lease accounting
- The lease module calculates IFRS 16 right-of-use assets, liabilities, depreciation, interest, modifications, remeasurements, indexation and foreign-currency translation. · zentreasury.com, 15 Oct 2026
Where ZenTreasury stands on Freedom251
- Lease Accounting Software#35 of 56
- Cash Forecasting Software#21 of 26
- Liquidity Management Software#19 of 23
- Foreign Exchange Management Software#19 of 21