After looking into it I think the lens is the problem not the camera.
I stopped using the 2.0/40mm
The Zf tends to front focus is my at the moment conclusion!
Which is really noticeable when there are many elements in the frame.
The Z28mm f/2.8 is even worse as a lens and besides flares heavily.
Correction, cant handle dynamic light!
The 40mm is a lot better lens imo.