Govern finance with the context, controls and evidence every material decision needs
Connect finance, treasury, approvals, close, revenue integrity and evidence across entities and jurisdictions while keeping authoritative system ownership explicit.
Capabilities, integrations, source ownership, data freshness and jurisdiction coverage vary by approved implementation scope.
Definition: Open finance approvals with no delegated authority
Source: Governance workflow
As of: 09:11 today · current
Definition: Open dependencies preventing period close
Source: Close checklist
As of: 08:45 today · current
| ITEM | AREA | ENTITY | AMOUNT | DUE | POLICY | NEXT STEP |
|---|---|---|---|---|---|---|
| Supplier account change | Payables | Northstar UK | GBP 400,200 | 12 Aug | ■ BLOCKING | Request evidence |
| Invoice INV-4471 | Payables | Northstar UK | GBP 92,400 | 14 Aug | ▲ APPROVAL REQUIRED | Route to approver |
| Intercompany journal | Close | Northstar GmbH | EUR 210,000 | Overdue | ▼ POLICY CONFLICT | Escalate |
| Credit note approval | Receivables | Northstar UK | GBP 30,150 | 16 Aug | ★ AUTHORITY REQUIRED | Open packet |
Amounts display in source currency. No composite financial-health score appears in this view, and no control performs a live action.
Keep system ownership explicit
ZoikoSuite moves decision governance into finance activities, systems, and entities, while authoritative execution remains in your existing ERP, banking, billing, procurement or tax platforms. Subsystems are shown and visibly distinct.
CORE ERP / GL
BANKING / TREASURY
BILLING / REVENUE OPS
PROCUREMENT / PAYABLES
TAX / JURISDICTIONS
EXTERNAL AUDITOR / REGULATOR CONSOLE
What does ZoikoSuite provide for CFOs?
ZoikoSuite gives finance leaders governed context for material financial decisions: the entity, period and currency a value belongs to, the system it came from and how fresh it is, the policy and delegated authority that apply, the evidence supporting the decision, and the accountable person. It coordinates finance work across approved systems while authoritative records remain where they already sit.
Seven action classes, seven separate permissions
Approvers and limits depend on the risk that matters most, and they can never be the same actors.
Prepare
Originates proposed financial decision object and bundles initial documentation.
Review
Assesses proposed allocation across applicable tax, legal, and operational policies.
Technical Verify
Verifies system parameters, connectivity, and data integrity with connected ledgers.
Ensure
Validates compliance with statutory limits, audit trails, and anti-fraud protocols.
Authorize
Confirms dual-sign-off thresholds and delegated authority boundaries.
Commit
Locks the immutable journal record into the ZoikoSuite ledger before push.
Release
Permits execution of external bank wire, ERP commit, or contract sign.
Exception
Documents explicit policy override with compensating controls and expiration.
Dependencies and evidence, not a completion bar
Close readiness is a verifiable chain of dependency, not a set percentage, and the issue is raised if not the period is closed.
| DEPENDENCY | ENTITY | SOURCE | PREREQUISITE | EVIDENCE | OWNER | BLOCKING | STATUS |
|---|---|---|---|---|---|---|---|
| Bank reconciliation | Northstar UK | Treasury portal 8 | ✓ RECONCILED | ✓ ATTACHED | Treasury | None | READY |
| Payables cut-off | Northstar UK | Procurement platform | ✓ VERIFIED | ▲ 1 MISSING | Payables | Supplier verification outstanding | PENDING |
| Intercompany elimination | Group | ERP ledger | ■ CONFLICT | ★ AUDIT PACK | Controller | Unresolved legal discount policy conflict | BLOCKED |
| Revenue cut-off | Northstar UK | Billing system | ✓ VERIFIED | ✓ ATTACHED | Revenue Accounting | None | READY |
| Tax provision input | Northstar Singapore | Direct statutory filing | ▲ UNDER REVIEW | ▲ NOT ATTACHED | Unassigned | Federal provision missing | BLOCKED |
Close readiness is not audit opinion. This view is for internal closure and pre-audit readiness. Final assurance requires statutory consultation and external firm sign-off, and this system is agnostic to whatever external account treatment or compliance applies. The process will generate the audit evidence for whatever external parties request.
Every balance keeps its source-defined meaning
There is no single normalized 'cash' figure on this page. Each balance states what kind of balance it is, which source defined it, in which currency, as of when, and whether it reconciles.
Book balance
NetSuite ERP GL Account 1010Bank balance
UBS Corporate Main Account ...4891Available balance
Calculated via Treasury & Delegated Authority PolicyBank balance
Authoritative · camt.053 directBook balance
Authoritative · general ledgerCash balance
Authoritative general ledgerLIQUID ASSETS: GBP 4,164,215 + USD 1,304,660 — always shown source primary
FX RATE: Source-as-of rate applied · 1.2820 GBP
NEXT OUT: 12 Aug (GBP 400,200)
RULE TYPE: Threshold — dual-signoff to be approved (framework)
STATUS: Waiting for evidence (intercompany reconciliation pending)
AUDIT TRAIL: Not submitable — this delegation remains open as a multi-jurisdiction exception until proof linked in folder
No synthetic cash headroom, runway forecast or liquidity figure is derived from these balances. A cash balance is not an available liquidity, and any such calculation requires human judgements on risk tolerance, reserves and revenue coverage before it can be displayed.
Payment preparation, account changes, and release/authorization run through the systems shown above. ZoikoSuite evaluates and authorizes; the banking platform executes. The two are separate permissions and separate systems.
Approval and execution stay in different hands
The packet below is approved inside ZoikoSuite. The payment itself is executed by the banking platform, by a different permission, and the handoff is recorded.
Supplier creditor-account change
ACT-001 · Northstar UK Ltd. · GBP 468,200 exposure
The packet never offers a combined "approve and pay" control. Approval and execution are distinct action classes with distinct permissions and, in this architecture, distinct systems.
Adjustments and write-offs are governed action classes
A credit note or write-off reduces recorded revenue. Each is treated as a decision requiring authority, reason and evidence — not a data-entry task.
| TRANSACTION | ACTION | ENTITY | AMOUNT | REASON | ACTION CLASS | AUTHORITY | STATUS |
|---|---|---|---|---|---|---|---|
| ADJ-00428 | Customer balance adj | Northstar UK | GBP 85,250 | All items | Credit note | Primary controller authority | ✓ VERIFIED |
| ADJ-00756 | Customer balance adj | Northstar UK | GBP 124,500 | All items | Write-off | ■ PENDING: $100K DUAL SIGN-OFF | ▲ IN REVIEW |
| ADJ-00912 | Customer write-off - part | Northstar GmbH | EUR 53,400 | All items | Dispute hold | Head of revenue ops | ✓ VERIFIED |
| ADJ-00412 | Customer balance adj - AR | Northstar US | USD 9,200 | All items | Return adjustment | Revenue operations | ✓ VERIFIED |
This table is for the inspection of the decisions and justification. A write-off doesn't re-create receipts from all historical activity or accounting systems, and it does not commit until all steps are approved in an audit pack with supporting evidence in the data room.
Policy version, authority limit, segregation, exception
A control record that cannot name its policy version and authority source is not evidence of anything.
| POLICY | VERSION | PRODUCTION DATE | CONTROL |
|---|---|---|---|
| Payment vendor change control | v2 | 01 Apr 2026 | ● LOCKED |
| Rate tolerance | v3 | 01 Dec 2024 | ● LOCKED |
| Payment amount threshold | v4 | 01 Jan 2026 | ● DUAL SIGN-OFF > GBP 250K REQUIRED |
| Intercompany threshold — group | v4 | 01 Jan 2026 | ● BOARD SIGN-OFF > EUR 1M TO PAY |
Facility cannot match or exceed reference authority increment without active dual-authorization, and it cannot exceed statutory entity boundaries.
Every exception is time-bound. There is no generic admin bypass.
Source currency first, and no clean rollup over stale data
Where an explicit rate is absent or a source is stale, the group figure shows a partial or unknown state rather than a tidy total.
| ENTITY | SOURCE CURRENCY | LOCAL BALANCE | BASE CONVERSION | UNRESOLVED VARIANCE | RATE AS-OF / STATUS | DETAIL REF |
|---|---|---|---|---|---|---|
| Northstar UK Ltd | GBP | GBP 2,240,000 | GBP 2,240,000 | 0 | ✓ CURRENT | Link |
| Northstar GmbH | EUR | EUR 865,000 | GBP 735,250 | 0 | ✓ CURRENT | View |
| Northstar Singapore Pte. Ltd. | SGD | SGD 340,000 | ? UNKNOWN | 0 | ▲ STALE (>12H) - NO FX | Audit |
| Northstar Holdings | GBP | GBP 42,000 | GBP 0 | 0 | ✓ CURRENT | Audit |
| Group Total | (Mix) | ● PARTIAL · NOT AGGREGATEDRate unknown: SGD to GBP for Northstar Singapore Pte Ltd. 1 subsidiary data is stale (>12h). Rollup stopped by policy gate. | — | — | ▲ PARTIAL | — |
FX SOURCE: Federal Reserve / European Central Bank combined feed
RATE TIME: 01 Aug 2026 09:00 UTC
RATE TYPE: Closing daily spot (audited FX provider LLC)
RULE REF: Currency and FX Policy v3.2
POLICY GATE: Rollup paused: 1 feed is beyond staleness limit and no substitution is permitted
Ready is a workflow state, not an assurance opinion
Seven statuses, and one disclosure that governs how the word "ready" may be used anywhere on this page.
ZoikoSuite coordinates operational execution and gathers audit-eligible source evidence, reconciliation and supporting materials. However "readiness" or "ready" status is a workflow and control state. It does not itself establish statutory compliance, legal admissibility, audit acceptance, regulatory tolerance or certification.
No system criteria, automated controls, and native checks yield or simulate: statutory audit, external opinion, assurance from auditor, or legal advice on balance.
Final assurance remains the responsibility of humans and chartered public accountants. Automated systems cannot execute regulatory sign-offs.
Four audiences, four different boundaries
Continuous availability is not public accessibility, and an oversight view is not a substitute for operational workflow.
Audit Committee
Read-only access to closure milestones, material disputes, governance exception logs, and statutory audit trail evidence pack.
Board of Directors
High-level consolidated dashboard view with risk metrics and quarterly sign-off summaries.
Internal / External Auditor
Read-only access to immutable audit log, evidence links, and cryptographic proof hashes.
CFO & Executive Staff
Operational execution control within defined authority limit and segregation matrix.
| AUDIENCE | DEFAULT / PRIVILEGE AND ACCESS | BOUNDARY |
|---|---|---|
| Audit Committee | Read-only; access to execution progress, material disputes and audit trail status, unresolved issues, minutes review, and export only if specifically permitted. | No operational access to initiate or approve. |
| Board of Directors | High-level, cross-company aggregated reporting and governance summaries; accountable staff status when authorized. | No granular ledger level access without escalation. |
| Internal / external audit | Read-only access to individual records, continuous control evidence, cryptographically signed proofs. | No access to live configuration or operational workflows. |
| CFO / Controller | Operational and executive decision access according to authority and permissions. | Restricted by dual-authorization rules and statutory limits. |
Tax pack compiled for external audit · Northstar UK Ltd (VAT return filed and verified)
Evidence pack · 22 files (all hashes matched to live ERP GL)
Key cryptographically signed by system · tamper evident verification
Prepared by: Helen Lewis (Senior Financial Accountant)
Approved by: —
Authorized on: 01.07.2026 18:20 UTC (due: 02.07.2026)
Exception: Requires Controller / Group CFO dual sign-off
Exemption status: Exemption under policy tax-gov-2024 applied
Diligence routes, and a business case with no default ROI
Assumptions stay visibly separate from evidence, and no saving, ROI or virtue deduction is asserted.
- •Multi-Entity ERP Migration
- •Authoritative Ledger Integration
- •Treasury & Banking Direct Feed
- •Statutory Entity Separation
- •Dual-Signoff Thresholds & Roles
- •Policy Exception Workflows
- •Continuous Close Readiness
- •Cryptographic Evidence Pack Generation
- •Exception Auditing & Retention
- •Regulator Console Access
Demonstrated evidence
Real-world implementations demonstrate continuous close verification, zero unexplained variances during statutory audit, and immediate detection of unauthorized changes or stale data.
- •Zero Default ROI Assertion
- •Risk-Weighted Evaluation Matrix
- •Defensible Business Case Model
No synthetic ROI claims are fabricated; all return assertions must be derived from reduced restatement risk, eliminated manual audit rework, and provable balance accuracy across entities.
- • All local statutory filings reconciled to live ledger
- • Separation between transfer pricing policy and entries
- • Global minimum tax impact tested against threshold
- • Local accounting firm sign-off records stored in data room
- • Two signature rule enforced on all bank wires above standard threshold
- • Manager cannot approve transactions involving direct reports
- • System credentials partitioned: read-only vs live operational
- • Off-boarding immediately revokes all system and policy authorizations
- • Live conversion rates must be refreshed within 4 hours before close sign-off
- • Group rollup aggregates only on confirmed rate tables (no estimates)
- • Runway and burn calculations require human assumption sign-off
- • 0 audit findings across 14 statutory entities for past year
- • Proven governance architecture in board and investor data rooms
- •Architecture Review
- •Authoritative Integration
- •Direct Ledger Feeds
- •Entity Structure Map
- •Delegated Authority Matrix
- •Policy Exemption Limits
- •Statutory Evidence
- •Cryptographic Audit Trail Generation
- •Sub-Ledger Integration
- •Auditor Access Portal
Demonstrated evidence
Real-world implementations demonstrate continuous close verification, zero unexplained variances during statutory audit, and immediate detection of unauthorized changes or stale data.
- •Zero Base Model (No Defaults)
- •Defensible Assumptions
- •Risk-Weighted Analysis
No synthetic ROI claims are fabricated; all return assertions must be derived from reduced restatement risk, eliminated manual audit rework, and provable balance accuracy across entities.
Operational routes, no bans
Bring one number nobody can fully explain
A cash figure whose definition varies by who you ask. A group total that quietly converts stale data. An approval nobody can reconstruct. We will trace one of those through the definition, source, authority and evidence model with you.
No capability, integration, source ownership, freshness, jurisdiction coverage or savings commitment is made outside an approved commercial document.
Definitions, authority, coexistence and boundaries
Direct first sentences, then qualified detail. Every answer is present in this page source.
Governed context for material financial decisions — entity, period, currency, source and freshness, plus the policy, delegated authority, evidence and accountable owner that apply.
It coordinates finance work across approved systems while authoritative records remain where they already sit.
Govern your global operations with confidence
Unify finance, workforce, legal, tax, compliance, and commercial operations under one governed platform.