diff --git a/Schaad.Accounting.UI/Components/Loading.razor b/Schaad.Accounting.UI/Components/Loading.razor
new file mode 100644
index 0000000..36d79dd
--- /dev/null
+++ b/Schaad.Accounting.UI/Components/Loading.razor
@@ -0,0 +1,9 @@
+@* Consistent placeholder for async-loaded pages/dialogs. Replaces the
+   ad-hoc `<p>Lädt…</p>` sprinkled across pages after PR P made every
+   OnInitializedAsync truly async. Kept as a pure visual — callers keep
+   their existing null-guard and just render this while data is loading. *@
+
+<div style="display: flex; flex-direction: column; align-items: center; gap: 0.5rem; padding: 2rem;">
+    <FluentProgressRing/>
+    <FluentLabel>Lädt…</FluentLabel>
+</div>
diff --git a/Schaad.Accounting.UI/Components/Pages/Charts/Assets.razor b/Schaad.Accounting.UI/Components/Pages/Charts/Assets.razor
index 2dee1dd..d40a8bd 100644
--- a/Schaad.Accounting.UI/Components/Pages/Charts/Assets.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Charts/Assets.razor
@@ -6,4 +6,8 @@
 @if (config is not null && layout is not null && data is not null)
 {
     <PlotlyChart style="height: 700px; min-height: 500px" @bind-Config="config" @bind-Layout="layout" @bind-Data="data" @ref="chart" />
+}
+else
+{
+    <Loading/>
 }
\ No newline at end of file
diff --git a/Schaad.Accounting.UI/Components/Pages/Charts/Spendings.razor b/Schaad.Accounting.UI/Components/Pages/Charts/Spendings.razor
index 64566a5..2a05645 100644
--- a/Schaad.Accounting.UI/Components/Pages/Charts/Spendings.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Charts/Spendings.razor
@@ -6,4 +6,8 @@
 @if (config is not null && layout is not null && data is not null)
 {
     <PlotlyChart style="height: 700px; min-height: 500px" @bind-Config="config" @bind-Layout="layout" @bind-Data="data" @ref="chart" />
+}
+else
+{
+    <Loading/>
 }
\ No newline at end of file
diff --git a/Schaad.Accounting.UI/Components/Pages/Charts/SpendingsOverTime.razor b/Schaad.Accounting.UI/Components/Pages/Charts/SpendingsOverTime.razor
index 8f8960e..4039311 100644
--- a/Schaad.Accounting.UI/Components/Pages/Charts/SpendingsOverTime.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Charts/SpendingsOverTime.razor
@@ -6,4 +6,8 @@
 @if (config is not null && layout is not null)
 {
     <PlotlyChart style="height: 700px; min-height: 500px" @bind-Config="config" @bind-Layout="layout" @bind-Data="data" @ref="chart" />
+}
+else
+{
+    <Loading/>
 }
\ No newline at end of file
diff --git a/Schaad.Accounting.UI/Components/Pages/Dialogs/BookingRuleDialog.razor b/Schaad.Accounting.UI/Components/Pages/Dialogs/BookingRuleDialog.razor
index c6e408f..912e636 100644
--- a/Schaad.Accounting.UI/Components/Pages/Dialogs/BookingRuleDialog.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Dialogs/BookingRuleDialog.razor
@@ -14,7 +14,7 @@
 <FluentDialogBody>
     @if (editContext is null)
     {
-        <p>Lädt…</p>
+        <Loading/>
         return;
     }
 
diff --git a/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionDialog.razor b/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionDialog.razor
index 801950b..da45aab 100644
--- a/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionDialog.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionDialog.razor
@@ -13,7 +13,7 @@
 <FluentDialogBody>
     @if (editContext is null)
     {
-        <p>Lädt…</p>
+        <Loading/>
         return;
     }
 
diff --git a/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionSplitDialog.razor b/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionSplitDialog.razor
index 569a2a2..1d85583 100644
--- a/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionSplitDialog.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Dialogs/TransactionSplitDialog.razor
@@ -13,7 +13,7 @@
 <FluentDialogBody>
     @if (editContext is null)
     {
-        <p>Lädt…</p>
+        <Loading/>
         return;
     }
 
diff --git a/Schaad.Accounting.UI/Components/Pages/Reports/BalanceReport.razor b/Schaad.Accounting.UI/Components/Pages/Reports/BalanceReport.razor
index 74e2a17..45f767b 100644
--- a/Schaad.Accounting.UI/Components/Pages/Reports/BalanceReport.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Reports/BalanceReport.razor
@@ -2,7 +2,7 @@
 
 @if (balance is null)
 {
-    <p>Lädt…</p>
+    <Loading/>
     return;
 }
 
diff --git a/Schaad.Accounting.UI/Components/Pages/Reports/BalanceSheetReport.razor b/Schaad.Accounting.UI/Components/Pages/Reports/BalanceSheetReport.razor
index d015063..09dffb3 100644
--- a/Schaad.Accounting.UI/Components/Pages/Reports/BalanceSheetReport.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Reports/BalanceSheetReport.razor
@@ -2,7 +2,7 @@
 
 @if (balanceSheet is null)
 {
-    <p>Lädt…</p>
+    <Loading/>
     return;
 }
 
diff --git a/Schaad.Accounting.UI/Components/Pages/Reports/DetailReport.razor b/Schaad.Accounting.UI/Components/Pages/Reports/DetailReport.razor
index 7939662..c85bdea 100644
--- a/Schaad.Accounting.UI/Components/Pages/Reports/DetailReport.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Reports/DetailReport.razor
@@ -2,7 +2,7 @@
 
 @if (accounts is null || transactions is null)
 {
-    <p>Lädt…</p>
+    <Loading/>
     return;
 }
 
diff --git a/Schaad.Accounting.UI/Components/Pages/Reports/ProfitLossReport.razor b/Schaad.Accounting.UI/Components/Pages/Reports/ProfitLossReport.razor
index 7cc6666..145d1f7 100644
--- a/Schaad.Accounting.UI/Components/Pages/Reports/ProfitLossReport.razor
+++ b/Schaad.Accounting.UI/Components/Pages/Reports/ProfitLossReport.razor
@@ -2,7 +2,7 @@
 
 @if (accounts is null)
 {
-    <p>Lädt…</p>
+    <Loading/>
     return;
 }