| 2020 (EUR) | 2019 (EUR) | |
|---|---|---|
| Gross premium | 180.967.469 | 157.582.324 |
| Net premium | 106.430.325 | 100.506.922 |
| Gross losses | 76.015.279 | 73.805.192 |
| Shareholders’ funds | 87.042.128 | 83.135.427 |
| Profit before tax | 3.452.465 | 6.005.337 |
| Net losses | 54.979.389 | 56.668.412 |
| Gross technical provisions | 195.766.154 | 173.388.974 |
| Net technical provisions | 138.311.591 | 122.838.090 |
| Number of employees | 52 | 52 |
| Retention ratio | 58,8% | 63,8% |
| Net technical provisions as % of net premium | 130,0% | 122,2% |
| Net loss ratio | 63,7% | 64,2% |
| Expense ratio | 31,2% | 33,0% |
| Combined ratio | 94,9% | 97,2% |
| Operating expenses as % of gross premium | 2,67% | 2,51% |
| Return on equity (in %) | 3,3% | 6,0% |