Financial information

Aviabel is an insurer of the utmost financial solidity. This is evidenced not only

based on its key financial figures (premium income and earnings), but also on

its solvency ratio. Standard & Poor's have rewarded our strong financial position 

with an A-rating (stable outlook).


AM BEST

Download theAM BEST 2014 Rating Report.pdf

Download the AM BEST Press Release 30 March 2016

Download the AM BEST Press Release 30 November 2016

Standard & Poor's

Download the Standard & Poor's 2014 Rating Report​​​

Download the Rating Standard & Poor's "A-" Reaffirmed

Download the Standard & Poor's 2015 Rating Report

Download the S&P Global Ratings rating letter - July 2016

Download the S&P Global Ratings press release - December 2016

Download the S&P Global Ratings press release - March 2017

Group Financial Summary - IFRS 

​​​​​​

Balance sheet Items 2011 2012 2013 2014 ​         2015




Capital 13,000 13,000  13,000 13,000​ 13,000​
Shareholder Equity 95,555 106,716 108,611 114,398​ 112,841​
Defered Tax 22,809 27,046 28,245 30,180​ 29,004​
Unrealized Capital Gains 7,460 16,515 17,160 21,446​ 17,653​
Gross Technical Reserves 69,361 70,872 71,315 78,564​ ​83,442
Net Technical Reserves 56,727 58,507 58,636 64,832​ ​72,715
Financials Means 147,676 163,106 173,795 176,049​ ​173,539
Treasaury 19,150 21,728 11,382 19,132​ ​28,321
Total Balance Sheet 200,908 217,067 219,515 235,867 238,783




Income Statement      
Gross Earned Premium 57,397 53,695 52,055 46,259​ 50,088​
Net Earned Premium 52,224 49,738 48,920 43,585​ ​46,710
Technical Result 12,508 12,986 10,726 7,879​ ​7,002
Profit before Tax 7,595 20,493 8,623 12,745​ ​4,674
Profit after Tax 5,129 14,897 6,646 9,188​​ 2,404




Solvency      
Minimun Statutory required capital (SI) 10,836 11,009 10,500 9,361​ 10,030​
Available Solvency Margin 37,367 40,132 40,597 38,870​ ​39,326
Solvency Ratio 345% 365% 387% 415%​​ 392%


( all figures x 1.000€ )





​View our annual reports here:

Annual Report 2015

Annual Report 201​4

Annual Report 2013​

Annual Report 2012​​​