2018 (EUR) 2017 (EUR)
Gross premium 131.170.639 123.713.912
Net premium 80.527.140 74.300.049
Gross losses 69.994.751 56.764.142
Shareholders’ funds 79.944.828 82.693.155
Profit before tax 5.480.323 7.827.101
Net losses 47.872.963 41.177.234
Gross technical provisions 166.335.963 163.462.462
Net technical provisions 114.377.365 107.757.024
Number of employees  50 46
     
Retention ratio 61,4% 60,1%
Net technical provisions as % of net premium 142,0% 145,0%
Net loss ratio 66,9% 63,6%
Expense ratio 29,3% 30,6%
Combined ratio 96,2% 94,2%
Operating expenses as % of gross premium 2,87% 2,88%
Return on equity (in %) 5,6% 7,7%