Energia
Sources and updates
- Source
- FSC insurer statistics with lines per insurer; solvency and claims from each insurer's SFCR
- Latest figures
- FY 2025, H1 2026
- Next update
- Jan–Sep 2026, around December 2026
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Fingerprint
Energia's line mix, and where it stands among the 36 insurers in Bulgaria on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Bulgaria 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.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| OZOK Ins | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| Phoenix Insurance | — | — | — | 0.0% | 0.1% |
| BAEZ | 0.2% | 0.3% | 0.2% | 0.1% | 0.1% |
| Phoenix Re | 0.7% | 0.6% | 4.6% | 1.0% | 0.1% |
| Energia | 0.9% | 0.4% | 0.4% | 0.3% | 0.0% |
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
Claims and costs over time
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Energia beside the other insurers of Bulgaria: operating ratio, sources of profit and leverage →
Also in the Allianz group
16 companies in 9 markets · €5.26bn premium, latest year
Also in Croatia · €232mLithuania · €77mSlovenia · €31m
Ownership and events
Company details
- Legal name
- ЗАСТРАХОВАТЕЛНО АКЦИОНЕРНО ДРУЖЕСТВО "ЕНЕРГИЯ"
- Registered seat
- Sofia, Bulgaria
Legal name, seat and LEI from the Global LEI Index (GLEIF), checked 20 Oct 2026.
Questions about Energia
Short answers from the figures on this page.
What is Energia's market share in Bulgaria?
Energia wrote €0.729m of premium in FY 2025, under 0.1% of all premium in Bulgaria, ranking #36 of 36 insurers; its premium fell 90.8% on FY 2024 in BGN.
Who owns Energia?
Energia is part of the Allianz group, which has 16 companies in 9 of the 18 markets on Polisa (FY 2025).
What does Energia sell?
Energia is a non-life insurer; its largest lines in FY 2025 are casco (36.7% of its premium), property (27.5%) and accident (14.4%).
Is Energia well capitalised?
Energia's SCR ratio was 586% at 31 December 2025: it held 5.9 times the capital Solvency II requires, against a median of 175% for the insurers in Bulgaria.
Is Energia profitable?
Energia made a net profit of €2.71m in FY 2025, a return on equity of 20.1%; its non-life combined ratio was 28% after reinsurance.
Is Energia growing?
Energia's premium fell 90.8% in BGN in FY 2025 while the market in Bulgaria grew 12.0%.
Sources for this page
Premium and lines: FSC (Financial Supervision Commission), market statistics per insurer, sheet Premiums written - gross, by Solvency II line. Claims, expenses and solvency: the insurer's SFCR for FY 2025, templates S.05.01 and S.23.01; claims, expenses and solvency for FY 2021–2024 from the SFCRs of those years. For FY 2021–2022 the insurers whose SFCR has no S.05.01 (Euroins, Lev Ins, Bul Ins, Allianz Bulgaria and smaller ones) count with earned premium, claims and expenses, gross and after reinsurance, from their statutory income statements in FSC's annual statistics: a mixed basis, mostly within 4 points of S.05.01 and usually a little lower where both exist (quality grade B). 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.
Polisa. (2026). Energia (Bulgaria): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/bg-energia
BibTeXShow entry
@misc{polisa_insurers_bg_energia_2026,
author = {{Polisa}},
title = {Energia (Bulgaria): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/bg-energia}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: FSC (public information, no licence stated), Registry Agency (single pages viewed and printed), insurers' SFCRs (public disclosures, linked).