Pozavarovalnica Sava, d.d. financials
Pozavarovalnica Sava, d.d.
Country: SI Reporting currency: EUR Latest annual report: 2023-12-31
LEI:
549300P6F1BDSFSW5T72 Financial statements
(EUR, as reported — unscaled; 131 line items across 3 annual periods)
| Line item | 2023 | 2022 | 2021 |
|---|---|---|---|
| Income statement | |||
| Finance costs | €2.9M | €2.9M | — |
| Profit before tax | €53.6M | €63.9M | — |
| Income tax expense | €4.1M | €2.6M | — |
| Profit for the year | €49.5M | €61.4M | — |
| — attributable to owners | €49.5M | €61.4M | — |
| — attributable to NCI | €0 | €0 | — |
| Total comprehensive income | €54.0M | €50.2M | — |
| Per share | |||
| Basic EPS | €0.00 | €0.00 | — |
| Cash flow statement | |||
| Net cash from operating activities | €5.2M | -€2.1M | — |
| Net cash from investing activities | €10.9M | €23.3M | — |
| Purchase of PP&E (capex) | €363.0K | €318.2K | — |
| Purchase of intangibles | €967.8K | €1.1M | — |
| Net cash from financing activities | -€27.7M | -€26.2M | — |
| Dividends paid | €24.8M | €23.2M | — |
| Proceeds from borrowings | €0 | €0 | — |
| Repayments of borrowings | €0 | €0 | — |
| Lease liability payments | €79.8K | €76.8K | — |
| Balance sheet | |||
| Total assets | €814.0M | €754.2M | €749.2M |
| Property, plant & equipment | €2.7M | €2.6M | €2.5M |
| Right-of-use assets | €277.2K | €320.1K | €204.9K |
| Intangible assets & goodwill | €4.7M | €4.1M | €3.2M |
| Cash & equivalents | €12.3M | €23.9M | €28.8M |
| Total equity | €430.9M | €401.7M | €374.7M |
| — attributable to owners | €430.9M | €401.7M | €374.7M |
| Non-controlling interests | €0 | €0 | €0 |
| Deferred tax liabilities | €0 | €0 | €0 |
| Derived metrics | |||
| Free cash flow | €4.8M | -€2.4M | — |
| Return on equity | 11.5% | 15.3% | — |
| Cash conversion ratio | 0.10× | -0.03× | — |
| Capex coverage | 14.23× | -6.46× | — |
| Other reported items | |||
| Accumulated Other Comprehensive Income | -€9.8M | -€14.3M | -€3.2M |
| Adjustments For Decrease Increase In Other Assets | €1.6M | €2.2M | — |
| Adjustments For Depreciation and Amortisation Expense | €738.8K | €620.9K | — |
| Adjustments For Finance Costs | €5.9M | €10.4M | — |
| Adjustments For Finance Income | €40.9M | €59.4M | — |
| Adjustments For Gain Loss On Disposal of Investments In Subsidiaries Joint Ventures and Associates | €112.6K | €994.0K | — |
| Adjustments For Gain Loss On Disposals Property Plant and Equipment | €28.3K | €76.0K | — |
| Adjustments For Income Tax Expense | €4.1M | €2.6M | — |
| Adjustments For Increase Decrease In Insurance Reinsurance and Investment Contract Liabilities | -€10.3M | -€14.7M | — |
| Adjustments For Increase Decrease In Other Liabilities | -€2.1M | -€1.2M | — |
| Adjustments For Provisions | €106.4K | €22.1K | — |
| Adjustments For Reconcile Profit Loss | -€33.1M | -€48.9M | — |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €0 | €0 | — |
| Adjustments For Unrealised Foreign Exchange Losses Gains | -€3.0M | -€2.0M | — |
| Capital Reserve | €54.2M | €54.2M | €54.2M |
| Cash Flows From Used In Operations Before Changes In Working Capital | €16.4M | €12.5M | — |
| Comprehensive Income Attributable To Noncontrolling Interests | €0 | €0 | — |
| Comprehensive Income Attributable To Owners of Parent | €54.0M | €50.2M | — |
| Current Tax Assets | €0 | €49.6K | €0 |
| Current Tax Liabilities | €6.3M | €45.4K | €394.8K |
| Deferred Tax Assets | €5.1M | €3.0M | €2.7M |
| Depreciation Rightofuse Assets | €82.6K | €78.8K | — |
| Dividends Received Classified As Investing Activities | €30.9M | €52.4M | — |
| Equity and Liabilities | €814.0M | €754.2M | €749.2M |
| Expenses From Allocation of Premiums Paid To Reinsurer | €30.2M | €29.6M | — |
| Finance Income Expenses From Reinsurance Contracts Held Excluded From Profit Or Loss Before Tax | €1.3M | -€4.9M | — |
| Finance Income Expenses From Reinsurance Contracts Held Recognised In Profit Or Loss | -€774.6K | €266.2K | — |
| Financial Assets | €354.4M | €324.4M | €319.6M |
| Financial Assets At Amortised Cost | €5.8M | €3.9M | €5.3M |
| Financial Assets At Fair Value Through Profit Or Loss | €37.3M | €39.7M | €42.5M |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €311.3M | €280.8M | €271.8M |
| Gains Losses On Disposals of Noncurrent Assets | €0 | €0 | — |
| Gains Losses On Exchange Differences On Translation Net of Tax | €0 | €0 | — |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €10.0M | -€25.3M | — |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | -€54.4K | -€21.8K | — |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €0 | -€5.4K | — |
| Income Expenses From Reinsurance Contracts Held Other Than Finance Income Expenses | €43.7M | €9.9M | — |
| Income From Amounts Recovered From Reinsurer | €73.9M | €39.4M | — |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €497.1K | -€2.5M | — |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €624 | €0 | — |
| Income Taxes Paid Refund Classified As Operating Activities | €344.2K | €763.6K | — |
| Increase Decrease In Cash and Cash Equivalents | -€11.7M | -€4.9M | — |
| Increase Decrease In Working Capital | €11.2M | €14.5M | — |
| Increase Decrease Through Appropriation of Retained Earnings | €0 | €0 | — |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 | — |
| Increase Decrease Through Transfers and Other Changes Equity | €12.6K | — | — |
| Inflows of Cash From Investing Activities | €134.1M | €130.1M | — |
| Insurance Contracts Issued That Are Assets | €5.1M | €3.1M | €3.1M |
| Insurance Contracts Issued That Are Liabilities | €295.8M | €272.4M | €291.4M |
| Insurance Finance Income Expenses | -€38.4K | -€4.5M | — |
| Insurance Finance Income Expenses From Insurance Contracts Issued Excluded From Profit Or Loss That Will Be Reclassified To Profit Or Loss Before Tax | -€6.3M | €16.5M | — |
| Insurance Finance Income Expenses From Insurance Contracts Issued Recognised In Profit Or Loss | €736.3K | -€4.7M | — |
| Insurance Revenue | €167.8M | €150.8M | — |
| Insurance Service Expenses From Insurance Contracts Issued | €174.5M | €132.5M | — |
| Insurance Service Result | €37.0M | €28.1M | — |
| Interest Paid Classified As Financing Activities | €2.8M | €2.8M | — |
| Interest Received Classified As Investing Activities | €4.0M | €3.7M | — |
| Investment Contracts Liabilities | €0 | €0 | €0 |
| Investment Property | €7.6M | €7.7M | €7.9M |
| Investments In Associates | €19.6M | €19.6M | €19.6M |
| Investments In Associates Accounted For Using Equity Method | €0 | €0 | €0 |
| Investments In Subsidiaries | €305.7M | €303.4M | €304.6M |
| Issued Capital | €71.9M | €71.9M | €71.9M |
| Lease Liabilities | €280.4K | €320.5K | €203.7K |
| Liabilities | €383.1M | €352.6M | €374.5M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €0 | €0 | €0 |
| Other Cash Receipts From Sales of Equity Or Debt Instruments of Other Entities Classified As Investing Activities | €99.0M | €72.9M | — |
| Other Comprehensive Income | €4.5M | -€11.1M | — |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €0 | €0 | — |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €4.5M | -€11.2M | — |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €26.4K | €55.9K | — |
| Other Finance Income Cost | -€3.8M | €3.0M | — |
| Other Financial Liabilities | €0 | €0 | €0 |
| Other Income Expense From Subsidiaries Jointly Controlled Entities and Associates | €30.8M | €51.7M | — |
| Other Nonfinancial Assets | €715.1K | €699.8K | €746.0K |
| Other Nonfinancial Liabilities | €4.9M | €4.2M | €6.4M |
| Other Operating Income Expense | €234.3K | €15.0K | — |
| Other Reserves | €282.0M | €257.2M | €229.2M |
| Outflows of Cash From Investing Activities | €123.2M | €106.8M | — |
| Portfolio and Other Management Fee Income | €0 | €0 | — |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €0 | €0 | — |
| Proceeds From Sales of Investment Property | €0 | €0 | — |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €42.2K | €107.9K | — |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | €99.1M | €73.9M | — |
| Profit Loss From Discontinued Operations | €0 | €0 | — |
| Provisions | €419.7K | €392.6K | €421.9K |
| Purchase of Financial Instruments Classified As Investing Activities | €121.9M | €105.3M | — |
| Purchase of Interests In Associates | €2.0M | €0 | — |
| Purchase of Investment Property | €10.0K | €0 | — |
| Purchase of Investments Other Than Investments Accounted For Using Equity Method | €119.9M | €105.3M | — |
| Reinsurance Contracts Held That Are Assets | €95.8M | €61.2M | €56.1M |
| Reinsurance Contracts Held That Are Liabilities | €446.8K | €320.0K | €766.5K |
| Reserve of Exchange Differences On Translation | €0 | €0 | €0 |
| Retained Earnings Excluding Profit Loss For Reporting Period | €32.8M | €24.2M | €47.5M |
| Retained Earnings Profit Loss For Reporting Period | €24.7M | €33.4M | €0 |
| Revenue From Dividends | €218.0K | €458.1K | — |
| Revenue From Interest | €4.7M | €2.7M | — |
| Share of Profit Loss of Associates Accounted For Using Equity Method | €0 | €0 | — |
| Subordinated Liabilities | €75.0M | €74.9M | €74.9M |
| Trade and Other Receivables | €198.4K | €213.2K | €262.2K |
| Treasury Shares | €24.9M | €24.9M | €24.9M |
Methodology
Every line item above is a fact tagged in Pozavarovalnica Sava, 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.