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Euros

Bosnia and Herzegovinaeurososiguranje.com ↗#20 of 23 in Bosnia and Herzegovina, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
AZOBiH and the entity supervisors; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for Bosnia and HerzegovinaWhat changed

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Premium
€8.7m
1.4% of Bosnia and Herzegovina
Growth
+13.7%
FY 2025 vs 2024, in BAM · market +8.0%
Life share
0%
of own premium
Capital cover
—
Not published by the company
Claims
≈30%
non-life loss ratio, approximate
In shortNumber 20 of 23 in Bosnia and Herzegovina with 1.4% of premium, growing faster than the market. Strongest in Credit & surety, with 6.7% of the line. It paid €2.5m in claims, €29 for every €100 of its premium.

Latest resultsJan–Sep 2026, year to date: €7.4m of premium, +11.1% on Jan–Sep 2025 (market +4.8%); share 1.5% (+0.1 pp), #21 of 23. More

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Euros's line mix, and where it stands among the 23 insurers in Bosnia and Herzegovina on each measure, FY 2025.

Line mix
Motor TPL87%
Casco6%
Credit & surety2%
Accident2%
Other non-life1%
Property1%
Size#20 of 23 by premium
€8.7m
larger than 14%median €19m
GrowthFY 2025 against 2024, in BAM
+13.7%
ahead of 77%median +8.0%
Claims
— fewer than three insurers in Bosnia and Herzegovina have it
Capital cover
— not published
Return on equitynet profit ÷ average equity
60.3%
ahead of 95%median 9.6%

Each bar runs from the weakest to the strongest of the insurers in Bosnia and Herzegovina with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Brčko-gas2.0%1.8%1.8%1.6%1.7%
Nešković2.0%1.9%2.0%2.0%1.7%
Euros1.4%1.2%1.2%1.4%1.4%
Garant1.5%1.3%1.4%1.4%1.4%
Krajina0.5%0.7%0.8%1.2%1.4%

Lines and claims

Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.

All figures

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Company details

    Legal name
    Akcionarsko društvo za osiguranje EUROS OSIGURANJE
    Registered seat
    Banja Luka, Bosnia and Herzegovina
    Website
    eurososiguranje.com
    LEI
    485100BVT7HMUYF5AO59 (not renewed)
    Employees
    79 (2025; 89 in 2022, 70 in 2023, 75 in 2024)
    Premium per employee
    €110k (FY 2025; median for non-life insurers in Bosnia and Herzegovina: €118k; all insurers)

    Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Euros

    Short answers from the figures on this page.

    What is Euros's market share in Bosnia and Herzegovina?

    Euros wrote €8.69m of premium in FY 2025, 1.4% of all premium in Bosnia and Herzegovina, ranking #20 of 23 insurers; its premium grew 13.7% on FY 2024 in BAM.

    Who owns Euros?

    Polisa records no group for Euros in FY 2025.

    What does Euros sell?

    Euros is a non-life insurer; its largest lines in FY 2025 are motor TPL (87.0% of its premium), casco (5.8%) and credit & surety (2.2%).

    Is Euros profitable?

    Euros made a net profit of €2.31m in FY 2025, a return on equity of 60.3%.

    Is Euros growing?

    Euros's premium grew 13.7% in BAM in FY 2025, faster than the market in Bosnia and Herzegovina (+8.0%).

    Sources for this page

    Premium and lines: the Insurance Agency of Bosnia and Herzegovina and the supervisors of the Federation and Republika Srpska. Claims and solvency margin: supervisors and the insurer's annual report. How these numbers are built.

    Spotted a wrong figure? Tell us and include the source.

    CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse

    Polisa compiles the figures; the original sources are named on this page and on the method page.

    APA

    Polisa. (2026). Euros (Bosnia and Herzegovina): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ba-euros

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_ba_euros_2026,
  author       = {{Polisa}},
  title        = {Euros (Bosnia and Herzegovina): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/ba-euros}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: AZOBiH, ANO FBiH, AZORS (all rights reserved, no re-use terms), BHAS (CC0), SASE (no terms published, all rights reserved), Banja Luka Stock Exchange (no terms published, all rights reserved).