For captive managers & captive owners

The quarterly close,
prepared before you open the file.

Zentron pulls in loss runs, bank and custodian statements, bordereaux and actuarial reports, reconciles them, and drafts the financials and domicile filings for every captive you manage. Every figure is traced to its source. Your accountants review and sign.

Works alongside your GL and ExcelNo data used for model training
Replaces
  • Re-keying loss runs
  • Manual tie-outs
  • Chasing workbook versions
Close workspace · Q3 202609:41 · sample data
NC · Pure captive

Harbor Point Logistics Captive, Inc.

Closing
Sources0
Tie-outs0
Exceptions0
  1. Collect source documentsqueued
  2. Reconcile cash, premium & claimsqueued
  3. Roll forward reserves & trial balancequeued
  4. Draft financials & domicile filingqueued
RLController review
In progress
Starting with filings in
  • North CarolinaNC
  • VermontVT
  • UtahUT
  • DelawareDE
  • TennesseeTN
The problem

Every quarter, your team rebuilds the same close by hand.

Captive management runs on experienced people and long spreadsheets. The judgment is the valuable part. Most of the hours go to gathering, re-keying and tying out numbers.

01

Data arrives in a dozen formats

TPA loss runs, bank and custodian statements, fronting-carrier bordereaux and actuarial reports. Each one is re-keyed into a workbook every quarter.

Hours lost per captive
02

The close lives in one person's head

A senior accountant carries thirty captives' worth of mapping logic in their files. When they're out, or they leave, the quarter stalls.

Key-person risk
03

Filing season stacks up

Quarterly statements, March annual filings, audited financials and regulator questions arrive together, and every domicile uses a different template.

Deadline pressure
04

Owners see their numbers late

Loss ratio, surplus and collateral position show up as a PDF weeks after quarter-end. That's too late to act on a bad trend or plan a dividend.

Decisions made late For captive owners
How it works

Every number, tied to its source.

Zentron does the repeatable work of the close and shows its work. Reviewers can click from any figure straight to the page it came from.

Re-keyed by hand→Extracted & linked to source
Breaks found at filing→Flagged at intake

  1. Collect

    Forward the quarter's documents, or connect read-only to the TPA portal, bank and custodian. Zentron classifies and extracts each one.

  2. Reconcile

    Cash, premium, claims and collateral are matched across sources. Breaks are flagged with the exact line that doesn't agree.

  3. Prepare

    Reserves are rolled forward and the trial balance is mapped, then the financials and domicile filing are drafted in your format.

  4. Review & file

    Your team resolves the exceptions, signs off and exports. The full evidence trail is kept for auditors and examiners.

For owners: a live view of surplus, loss ratio, premium and collateral for your captive, updated as documents arrive instead of once a quarter.

Tie-out · Balance sheetSample data
Account 2310 · Sep 30, 2026

Loss & LAE reserves

$1,284,600
  • Case reserves842,100 TPA loss run · 9/30 · p.3214 open claims
  • IBNR412,500 Actuarial report · Q2 selectedExhibit 4
  • ULAE30,000 Reserve memo · 2026
✓Ties to trial balancePass
✓Paid losses match bank disbursementsPass
✓Claim count matches prior quarter + new − closedPass
!Case reserves +18% vs Q2, above 10% thresholdReview
Prepared by Zentron · awaiting controller sign-off
Controls

You stay the manager of record.

Zentron prepares and your people decide. Nothing is filed, booked or sent to a regulator without a named reviewer's sign-off.

Zentron prepares

The repeatable work

  • Document intake, classification and data extraction
  • Reconciliations across TPA, bank, custodian and fronting carrier
  • Reserve roll-forwards and trial-balance mapping
  • Draft financial statements and domicile filings
Your team decides

Everything that needs judgment

  • Reserve adequacy, accounting policy and materiality
  • Resolving every flagged exception
  • Conversations with owners, auditors and regulators
  • Final sign-off on every captive, every quarter
Zentron never
  • Moves money
  • Files without your sign-off
  • Writes to your bank or GL
  • Trains models on your data

Read-only access

Zentron reads from your sources. It never moves money or writes to your bank, GL or the regulator's portal.

Evidence on every figure

Each number links to the document, page and line it came from, so auditors can verify it in seconds.

Complete audit log

Every extraction, adjustment and approval is timestamped and attributed to a person or the system.

Your data stays yours

Encrypted in transit and at rest, isolated per client, and never used to train models.

Fits how you work today

Exports to Excel and your general ledger. No rip-and-replace, and no new system for owners to learn.

Exceptions surface early

Breaks, threshold moves and missing documents are flagged at intake, not the week the filing is due.

Founding manager program

See your own close, run in parallel.

We're working with a small group of independent captive managers ahead of the 2027 filing season. You don't need to switch anything. We prove it on a quarter you've already closed.

  1. Week 1

    Send one captive's Q3 package

    We sign an NDA first. You send the source documents and your final workbook, nothing else.

  2. Week 2

    Zentron runs the close independently

    Reconciliations, roll-forwards, trial balance and draft filing, with every tie-out documented.

  3. Week 3

    Compare line by line

    We walk through it together: what matched, what we flagged, and how many hours it took.

2027 filing seasonLimited cohort

Book a 30-minute walkthrough

We'll show a sample captive close end to end and scope a parallel run on one of yours.

Not required
  • No integration project
  • No change to your current close
  • No new software for your team
Who it's for
  • Independent captive managers with 10–150 captives
  • Pure captives, group captives, RRGs and cell structures
  • Captive owners who want monthly visibility