CROATIA osiguranje d.d. financials
CROATIA osiguranje d.d.
Country: HR Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
74780000M0GHQ1VXJU20 Financial statements
(EUR, as reported — unscaled; 110 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Other income | €39.0M | €30.6M |
| Profit before tax | €69.6M | €69.2M |
| Income tax expense | €8.5M | €10.7M |
| Profit for the year | €61.1M | €58.5M |
| — attributable to owners | €61.0M | €58.4M |
| — attributable to NCI | €63.0K | €71.0K |
| Total comprehensive income | €109.5M | €53.6M |
| Per share | ||
| Basic EPS | €144.97 | €138.69 |
| Diluted EPS | €144.97 | €138.69 |
| Free cash flow / share | €346.46 | €-155.67 |
| Cash flow statement | ||
| Cash generated from operations | €93.7M | -€122.2M |
| Net cash from operating activities | €155.6M | -€55.8M |
| Net cash from investing activities | -€15.8M | -€14.8M |
| Purchase of PP&E (capex) | €9.6M | €9.8M |
| Purchase of intangibles | €4.9M | €5.9M |
| Net cash from financing activities | -€121.0M | -€5.7M |
| Dividends paid | €115.0M | €162.0K |
| Repayments of borrowings | €534.0K | €138.0K |
| Lease liability payments | €5.1M | €5.1M |
| Balance sheet | ||
| Total assets | €1.78B | €1.77B |
| Property, plant & equipment | €64.4M | €61.9M |
| Cash & equivalents | €85.7M | €66.8M |
| Total equity | €759.4M | €765.2M |
| — attributable to owners | €759.0M | €764.4M |
| Non-controlling interests | €482.0K | €747.0K |
| Deferred tax liabilities | €27.5M | €15.2M |
| Derived metrics | ||
| Free cash flow | €146.0M | -€65.6M |
| Return on equity | 8.0% | 7.6% |
| Cash conversion ratio | 2.55× | -0.95× |
| Capex coverage | 16.13× | -5.70× |
| Other reported items | ||
| Adjustments For Decrease Increase In Trade and Other Receivables | €6.8M | -€5.4M |
| Adjustments For Depreciation and Amortisation Expense | €16.0M | €14.0M |
| Adjustments For Income Tax Expense | €8.5M | €10.7M |
| Adjustments For Increase Decrease In Employee Benefit Liabilities | -€622.0K | €399.0K |
| Adjustments For Increase Decrease In Trade and Other Payables | €10.2M | €3.3M |
| Adjustments For Interest Expense | €2.0M | €1.8M |
| Adjustments For Interest Income | €30.4M | €31.9M |
| Adjustments For Unrealised Foreign Exchange Losses Gains | €151.0K | -€11.0K |
| Cash Flows From Used In Operations Before Changes In Working Capital | €46.5M | €41.1M |
| Comprehensive Income Attributable To Noncontrolling Interests | €53.0K | €41.0K |
| Comprehensive Income Attributable To Owners of Parent | €109.4M | €53.6M |
| Current Tax Assets Current | €4.4M | €0 |
| Current Tax Liabilities | €1.5M | €12.1M |
| Deferred Tax Assets | €1.4M | €907.0K |
| Dividends Received Classified As Operating Activities | €9.8M | €7.6M |
| Equity and Liabilities | €1.78B | €1.77B |
| Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss Before Tax | €696.0K | €1.2M |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | €914.0K | €790.0K |
| Financial Assets | €1.26B | €1.30B |
| Financial Assets At Amortised Cost | €362.5M | €394.2M |
| Financial Assets At Fair Value Through Other Comprehensive Income | €793.1M | €756.7M |
| Financial Assets At Fair Value Through Profit Or Loss | €103.9M | €145.8M |
| Financial Liabilities At Amortised Cost | €48.6M | €48.1M |
| Financial Liabilities At Fair Value | €832.0K | €91.0K |
| Gains Losses On Exchange Differences On Translation Before Tax | €38.0K | -€6.0K |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | €1.5M | -€1.0M |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss | €8.2M | €6.2M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | -€625.0K | -€1.5M |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | -€14.6M | -€8.5M |
| Income Tax Relating To Changes In Revaluation Surplus of Other Comprehensive Income | €1.5M | -€37.0K |
| Income Tax Relating To Finance Income Expenses From Reinsurance Contracts Held of Other Comprehensive Income | €123.0K | €220.0K |
| Income Tax Relating To Insurance Finance Income Expenses From Insurance Contracts Issued of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | -€3.4M | -€8.8M |
| Income Taxes Paid Refund Classified As Operating Activities | €21.8M | €9.0M |
| Increase Decrease In Cash and Cash Equivalents | €18.9M | -€76.3M |
| Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss of Control | -€284.0K | -€307.0K |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | €0 | €22.0K |
| Insurance Contracts Issued That Are Assets | €15.0M | €17.0M |
| Insurance Contracts Issued That Are Liabilities | €859.5M | €862.0M |
| Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss Before Tax | -€20.7M | -€49.2M |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | -€10.2M | -€6.9M |
| Insurance Revenue | €540.8M | €476.4M |
| Insurance Service Expenses From Insurance Contracts Issued | €489.1M | €442.6M |
| Insurance Service Result | €37.1M | €25.3M |
| Intangible Assets Other Than Goodwill | €24.5M | €19.4M |
| Interest Received Classified As Operating Activities | €27.4M | €26.7M |
| Interest Revenue Calculated Using Effective Interest Method | €30.3M | €30.8M |
| Investment Accounted For Using Equity Method | €9.9M | €10.1M |
| Investment Income | €58.4M | €59.8M |
| Investment Property | €152.5M | €138.7M |
| Issued Capital | €78.3M | €78.3M |
| Liabilities | €1.02B | €1.00B |
| Other Adjustments For Noncash Items | €1.3M | -€1.9M |
| Other Comprehensive Income | €48.4M | -€4.8M |
| Other Comprehensive Income Before Tax Gains Losses On Revaluation | €8.5M | €1.0K |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | €38.0K | -€6.0K |
| Other Comprehensive Income Net of Tax Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss | €573.0K | €965.0K |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €16.4M | €15.5M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | €41.7M | €19.1M |
| Other Comprehensive Income Net of Tax Gains Losses On Revaluation | €7.0M | €38.0K |
| Other Comprehensive Income Net of Tax Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss | -€17.3M | -€40.4M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax | -€255.0K | -€23.9M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax | €48.6M | €19.1M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €48.6M | €19.1M |
| Other Expense By Nature | €54.9M | €40.3M |
| Other Finance Cost | €2.1M | €1.8M |
| Other Gains Losses | €2.7M | €5.5M |
| Other Reserves | €53.3M | €53.3M |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €41.0K | €0 |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €336.0K | €990.0K |
| Property Plant and Equipment Carrying Amount of Revalued Assets | €61.0M | €58.5M |
| Provisions | €7.4M | €8.1M |
| Reinsurance Contracts Held That Are Assets | €59.1M | €54.4M |
| Reinsurance Contracts Held That Are Liabilities | €6.6M | €4.0M |
| Retained Earnings | €398.8M | €451.0M |
| Revaluation Surplus | €138.2M | €91.4M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €1.4M | €1.8M |
| Share Premium | €90.4M | €90.4M |
| Trade and Other Payables | €65.0M | €52.0M |
| Trade and Other Receivables | €38.9M | €42.1M |
Methodology
Every line item above is a fact tagged in CROATIA osiguranje d.d.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.