2019 (EUR) 2018 (EUR)
Gross premium 157.582.324 131.170.639
Net premium 100.506.922 80.527.140
Gross losses 73.805.192 69.994.751
Shareholders’ funds 83.135.427 79.944.828
Profit before tax 6.005.337 5.480.323
Net losses 56.668.412 47.872.963
Gross technical provisions 173.388.974 166.335.963
Net technical provisions 122.838.090 114.377.365
Number of employees  52 50
     
Retention ratio 63,8% 61,4%
Net technical provisions as % of net premium 122,2% 142,0%
Net loss ratio 64,2% 66,9%
Expense ratio 33,0% 29,3%
Combined ratio 97,2% 96,2%
Operating expenses as % of gross premium 2,51% 2,87%
Return on equity (in %) 6,0% 5,6%