Cash position and plan
Daily cash position from bank balances and expected collections and payments; the payment calendar shows due dates in advance.
Finance & Accounting
Zenoheld TreasuryCash and finance management software
See your cash today, and next week from today.
Bank balances, cheques and notes falling due, loan instalments and planned payments come together in one cash position. Loans, factoring, FX transactions and investments are managed in the same place.
- 5 sub-modules
- 24 modules at the same price
Industry packages: Zenoheld Estate · Zenoheld Hotel
Roles: General manager and board · Finance manager · Accountant
What is it, and why do you need it?
What is Zenoheld Treasury for?
A cash squeeze usually starts with a payment you heard about too late: bank balances are in one spreadsheet, the cheque portfolio in another, loan instalments in yet another file. Every morning the finance manager merges them by hand.
Zenoheld Treasury reads this data from the source. Open items in accounting, purchasing payments, sales collections and loan schedules flow into the cash position automatically; liquidity is visible daily and weekly, and currency and interest rate risk are measured.
Scope: Manages treasury operations such as loans, cheques and notes, cash position, foreign exchange and investments.
Highlights
What can you do with Zenoheld Treasury?
Bank loans
Loan agreements, instalment plans, collateral and mortgage register, credit risk analysis and reports; factoring transactions included.
FX and market data
CBRT exchange rates come in automatically; FX transactions, derivatives and realised exchange differences are on record.
Cash pooling and netting
Cash pooling groups, in-house banking and netting for group companies; bank fee analysis.
Risk and hedging
Market and counterparty risk measurement, IFRS 9 hedge accounting relationships, investment portfolio and equity holdings.
Letters of credit and supplier finance
Import and export letters of credit, the supplier finance programme with your bank and intra-group loans are tracked in the same place.
Sub-modules
Zenoheld Treasury: 5 sub-modules
This list is generated from the product itself; it grows as new functions are added to a sub-module. Master data and settings are the shared ground of every module and are not counted as sub-modules.
Cash Management
- Cash PositionShows cash desk, bank and card balances as today's cash position; the liquidity forecast comes from a single engine in day, week or month buckets (invoice · loan · placement · payroll · lease sources), and the manually entered liquidity plan is compared with actuals in the Plan ↔ Actual section.
- Memo RecordsAdds expected cash inflows and outflows that are not yet posted to accounting as cash plan records.
- Payment CalendarShows loan, cheque, promissory note, invoice, lease and subscription payments on a single calendar by due date.
- Liquidity SettingsMaintains the definitions for liquidity planning: planning levels, risk/maturity groups, account → item mappings and liquidity hierarchy nodes.
Bank Account Management
- Cash Pooling GroupsConsolidates bank accounts into a currency-based cash pool; opens a transfer suggestion with a master account and zero/target balance rule — money moves when the suggestion is approved.
- Bank Charge AnalysisCompares expense, commission and BSMV (bank transaction tax) items in bank statements with the previous period in a bank/account × category × month pivot.
- In-House CashRuns the in-house bank accounts of group companies: intercompany payments and transfers, interest run, netting.
Investments & Markets
- FX DealRecords and tracks foreign exchange (FX) buy/sell transactions.
- DerivativesRecords derivative instrument transactions such as forwards, swaps and options.
- PortfolioTracks deposit, repo and bond investments with their maturity, interest and yield. For rows whose source document is a money market transaction, the actions of confirmation · accrual · maturity · reversal · early closure are also performed from here; the “MM Snapshot” tab keeps a dated snapshot of the portfolio. The master data and positions of securities such as bonds and shares are part of the same screen.
- Equity InvestmentsTracks shares in associates and subsidiaries together with their impairment provisions.
- Market DataShows market data with its sources: CBRT rates and the ECB comparison, €STR · SOFR · TLREF benchmark rates, EVDS indicators and the status of the sources.
- Exchange Rate Difference EntriesLists REALIZED foreign exchange gain/loss entries on foreign-currency invoice payments (read-only); period-end revaluation is on the Financial Accounting screen.
Risk & Hedging
- Market & Counterparty RiskMeasures the market risk of treasury positions (VaR, interest rate repricing gap) and counterparty credit limit utilization.
- Hedge Accounting (IFRS 9)Accounts for hedging transactions as hedge relationships under IFRS 9: relationships, effectiveness test, OCI accumulation and documentation.
Loans & Debt
- LoansRecords and tracks bank loans with their interest and repayment terms; bank limits, operations and compliance tasks are sections of the same screen. Early closure and refinancing preview are loan actions.
- Intercompany LoansThe contract for a loan between group companies: a repayment schedule is generated from principal, interest and day count, and the interest is compared with an arm's-length benchmark (transfer pricing, CIT Law art. 13); VAT and withholding on interest are tracked separately. The drawdown and every instalment post their own document in each company's books and their own movement to the bank account; the last transaction can be undone.
- Loan Risk & AnalysisMonitors the loan portfolio's contractual covenants, covenant breaches and guarantor risk, and runs portfolio stress scenarios; the Loan Calculator in the header calculates the repayment schedule, effective interest rate (EIR), internal rate of return (IRR) and day count without writing any record.
- Loan ReportsProduces the loan portfolio as the selected report: aging, creditor summary, cash flow forecast, yield and yield curve, interest trend, delinquency, upcoming maturities, foreign currency valuation and finance expense limitation.
- Loan SettingsDefines loan product types, interest day-count methods and the reference indices of floating interest.
- Instalment PlansSplits a business partner/invoice debt into installments; the line item payment is posted to the ledger from the selected account with a Z22 voucher.
- CollateralsRecords and tracks collateral and guarantees linked to loans.
- Letters of CreditTracks import and export letters of credit with bank, amount, tolerance and dates: amendments, document presentation (discrepancies), payment/acceptance and charges; an open import letter of credit is deducted from the bank's non-cash limit.
- FactoringManages the assignment and collection of receivables through factoring.
- Supplier FinanceSupplier finance (reverse factoring) programme with your bank: approved supplier invoices are added to the programme (with a payment block), the supplier asks for early payment from the portal and is paid with a discount priced on your credit rating; when the bank funds it the invoice closes and the payable moves to the bank, which debits your account at maturity. Limit, the IFRS 7 disclosure and bulk actions.
On the same data
Zenoheld Treasury works together with these
Modules are separate screens, but the data is one: a record entered in one module is never re-entered in another.
Zenoheld Accounting
In the journal the moment the invoice is issued; no waiting for month end.
Zenoheld Purchasing
From requisition to invoice, every purchase approved and traceable.
Zenoheld Sales
One customer record from opportunity to invoice.
Analytics
Data from every app in one report catalogue.
Frequently asked
About Zenoheld Treasury
How do bank transactions come in?
Transactions arrive through the bank statement connection; bank reconciliation in Financial Accounting matches them to entries.
Can we net between group companies?
Yes. In-house banking and netting reduce intercompany payables and receivables to a single payment; cash pooling groups show balances together.
Where are cheques and notes tracked?
The negotiable instruments portfolio is kept in Financial Accounting; due dates flow into the cash position and payment calendar automatically.
Close next month end without a reconciliation marathon.
Try it free for 15 days; no credit card needed. We reply to your questions within one business day.