2016 (EUR) 2015 (EUR)
Gross premium 117.417.689 116.839.911
Net premium 69.458.954 68.611.778
Gross losses 54.273.094 56.982.465
Shareholders’ funds 82.009.270 75.557.215
Profit before tax 7.787.163 12.171.865
Net losses 41.009.776 42.063.596
Gross technical provisions 151.173.519 141.588.235
Net technical provisions 101.284.343 95.414.529
Number of employees  46 46
     
Retention ratio 59,16% 58,7%
Net technical provisions as % of net premium 145,82% 139,1%
Net loss ratio 67,31% 69,0%
Expense ratio 29,37% 24,6%
Combined ratio 96,69% 93,6%
Operating expenses as % of gross premium 2,98% 2,9%
Return on equity (in %) 8,26% 14,1%