2017 (EUR) 2016 (EUR)
Gross premium 123.713.912 117.417.689
Net premium 74.300.049 69.458.954
Gross losses 56.764.142 54.273.094
Shareholders’ funds 82.693.155 82.009.270
Profit before tax 7.827.101 7.787.163
Net losses 41.177.234 41.009.776
Gross technical provisions 163.462.462 151.173.519
Net technical provisions 107.757.024 101.284.343
Number of employees  46 46
     
Retention ratio 60,1% 59,16%
Net technical provisions as % of net premium 145,0% 145,82%
Net loss ratio 63,7% 67,31%
Expense ratio 30,1% 29,37%
Combined ratio 93,8% 96,69%
Operating expenses as % of gross premium 2,88% 2,98%
Return on equity (in %) 7,7% 8,26%