| 2022 (EUR) | 2021 (EUR) | |
|---|---|---|
| Gross premium | 250.292.376 | 202.282.034 |
| Net premium | 144.607.742 | 118.539.248 |
| Gross losses | ||
| Shareholders’ funds | 86.699.657 |
95.551.720 |
| Profit before tax | 8.568.751 | 13.962.277 |
| Net losses | 87.955.633 | 73.445.104 |
| Gross technical provisions | 250.821.486 | 221.447.741 |
| Net technical provisions | 180.080.210 | 159.142.171 |
| Number of employees |
59 |
54 |
| Retention ratio | 57,8% | 58,6% |
| Net technical provisions as % of net premium | 122,6% | 128,1% |
| Net loss ratio | 62,4% | 64,3% |
| Expense ratio | 30,8% | 26,2% |
| Combined ratio | 93,2% | 90,5% |
| Operating expenses as % of gross premium | 1,9% | 2,1% |
| Return on equity (in %) | 7,6% | 12,4% |