Compare TreasuryView vs. ZenTreasury in 2026

ZenTreasury

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Average Ratings 9 Ratings

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Description

TreasuryView is a treasury management system (TMS) built for finance teams that have outgrown spreadsheets and need a clear, reliable view of intercompany loans, bank debt, and derivatives — without the overhead of an enterprise implementation. The platform serves as a centralized system of record for treasury, controlling, and finance professionals in mid-market organizations, commercial real estate firms, family offices, and investment structures managing cross-border or multi-entity loan portfolios. TreasuryView consolidates bank loans, intercompany funding arrangements, and hedging instruments into a single workspace. Built-in financial logic handles interest accruals, amortization schedules, and derivative fixings automatically — removing the formula errors and version control failures common in spreadsheet-based processes. Integrated market data from 30+ global sources feeds directly into the platform, giving teams the visibility to model rate scenarios, identify exposure, and bring informed recommendations to leadership. Common use cases include managing 30–100+ bank and intercompany loans across multiple entities, running clean monthly reporting without weekend reconciliation, and producing scenario analyses that inform treasury strategy rather than simply documenting it. The platform is built as a decision companion — shifting finance professionals from reactive data management to proactive financial insight. Key capabilities include automated debt lifecycle management, real-time market data integration, board-grade reporting, interest rate scenario modelling, and full timestamped transaction logging. Teams typically reach functional status within hours. Monthly subscription, with anytime cancellation.

Description

Most finance teams run two systems: one for lease accounting, one for treasury, reconciled by hand. ZenTreasury runs both as one governed subledger, because the ERP that posts the journal entry does not know the contract behind it. ZenTreasury does. Add a lease and the platform generates the full schedule automatically: right of use asset, lease liability, depreciation, interest, and balance carry forward, all following the standard from the moment the lease is saved. Index-linked remeasurement is handled automatically, with index rates, base values, and next indexation dates tracked per contract. Every later change, such as a scope change, term extension, rate revision, or partial termination, recalculates the schedule and logs it with a timestamp and user, so auditors get the before and after picture without asking. On the treasury side: centralised FX position management across forwards, swaps, and cross currency instruments with mark-to-market valuations; internal and external loan tracking with valuation against yield curves and automated interest accrual; trade finance and guarantee monitoring with fee and exposure tracking; and group wide cash flow forecasting with scenario modelling, all multi entity and multi currency. Direct bank connectivity included. One platform, accounting included, priced to the scope you run. Every customer gets a dedicated, isolated database. Lease calculations are independently reviewed by an international audit firm. Connect Claude, ChatGPT, or any MCP client directly to your contract data.

API Access

Has API No

API Access

Has API Yes

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Screenshots View All

Integrations

Microsoft 365 Yes

SAP Store Yes

Explore All 2 Integrations

Integrations

Microsoft 365 No

SAP Store No

Pricing Details

€250 per month

Single currency
up to 50 instruments(loans, derivatives) included
up to 5 internal users

Free Trial Yes

Free Version No

Pricing Details

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.

Free Trial No

Free Version No

Deployment

Web-Based Yes

On-Premises No

iPhone App No

iPad App No

Android App No

Windows No

Mac No

Linux No

Chromebook No

Deployment

Web-Based Yes

On-Premises No

iPhone App No

iPad App No

Android App No

Windows No

Mac No

Linux No

Chromebook No

Customer Support

Business Hours Yes

Live Rep (24/7) No

Online Support Yes

Customer Support

Business Hours No

Live Rep (24/7) No

Online Support Yes

Types of Training

Training Docs Yes

Webinars No

Live Training (Online) Yes

In Person Yes

Types of Training

Training Docs Yes

Webinars Yes

Live Training (Online) Yes

In Person Yes

Vendor Details

Company Name

emformX GmbH

Founded

2007

Country

Germany

Website

www.treasuryview.com/en/

Vendor Details

Company Name

ZenTreasury

Founded

2016

Country

Finland

Website

www.zentreasury.com

Product Features

Financial Risk Management

Compliance Management No

Credit Risk Management No

For Hedge Funds No

Liquidity Analysis No

Loan Portfolio Management Yes

Market Risk Management Yes

Operational Risk Management No

Portfolio Management No

Portfolio Modeling Yes

Risk Analytics Benchmarks Yes

Stress Tests Yes

Value At Risk Calculation Yes

Loan Management

Treasury

Cash Management No

Debt Management Yes

For Government No

For Hedge Funds No

Forecasting No

Liquidity Management No

Payment Management No

Risk Management Yes

Product Features

Cash Flow Forecasting

Currency Exchange

Analytical Reporting No

Client Management No

Custom Account Statements No

Data Backup Scheduling Yes

For Money Exchanges No

Margin Management No

Market Data Access Yes

Position Management Yes

Real Time Currency Quotes No

Real Time Tracking No

Transaction Management Yes

Finance

Investment Management

Accounting Management Yes

Benchmarking No

Bonds / Stocks No

Client Management No

Commodities No

Compliance Reporting No

Data Import / Export Yes

For Investment Advisors No

For Investors & Traders No

Fund Management No

Modeling & Simulation No

Payroll & Commissions No

Performance Metrics No

Portfolio Management No

Risk Management Yes

Lease Accounting

ZenTreasury serves as the specialized lease accounting subledger tailored for the Office of the CFO. Input a lease just once, and it automatically generates a comprehensive schedule that includes the right of use asset, lease liability, depreciation, interest, and balance carry forward, all in compliance with standards from the outset. The system effortlessly manages index-linked remeasurement. Any adjustments—such as changes in scope, term extensions, rate modifications, or partial terminations—trigger a recalculation of the schedule along with a detailed log that captures the change along with the user and timestamp. This allows auditors to see both the original and updated versions without needing to request additional information. Designed to accommodate multi-entity and multi-currency portfolios, each customer is provided with their own distinct and secure database. The platform also incorporates Single Sign-On (SSO), Multi-Factor Authentication (MFA), and role-based access controls. Lease calculations undergo independent review by a globally recognized auditing firm, and journal exports are compatible with any ERP system.

Amortization Schedule Yes

Asset Management Yes

Billing & Invoicing No

Budgeting & Forecasting Yes

Capitalization Reporting Yes

Critical Date Alerts Yes

Expense Tracking Yes

For Equipment Leases Yes

For Real Estate Yes

Payment Tracking Yes

Portfolio Management Yes

Tax Management No

Real Estate Investment Management

Treasury

ZenTreasury serves as the specialized accounting subledger for treasury operations, designed specifically for the Chief Financial Officer's office. It transforms foreign exchange transactions, loans, and guarantees into compliant journals, valuations, and disclosures, which are subsequently passed to the General Ledger/Enterprise Resource Planning system. The platform supports FX forwards, swaps, and spot transactions with real-time rates and mark-to-market capabilities. It also manages loans and money market transactions through discounted cash flow valuation aligned with yield curves and automates interest accrual processes. Additionally, it handles guarantees and trade finance by tracking fee accruals and monitoring exposure. Group-wide cash flow forecasting is available across various subsidiaries and currencies. Each client is provided with a unique, secure database environment. Features include multi-entity and multi-currency support, single sign-on (SSO), multi-factor authentication (MFA), role-based access controls, and direct connectivity to banking systems. An audit trail is maintained for every field across all transactions and valuations. Users can integrate with AI models like Claude or ChatGPT through a read-only MCP server, and journals can be exported to any ERP system seamlessly.

Cash Management Yes

Debt Management Yes

For Government Yes

For Hedge Funds Yes

Forecasting Yes

Liquidity Management Yes

Payment Management No

Risk Management Yes