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KredEx Krediidikindlustus

Estoniakrediidikindlustus.ee ↗#18 of 18 in Estonia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
Statistics Estonia tables by insurer and line; solvency and claims ratios from each Estonian insurer's SFCR
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for EstoniaWhat changed

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Premium
€1.7m
0.3% of Estonia
Growth
+2.0%
FY 2025 vs 2024, in EUR · market −0.6%
Life share
0%
of own premium
Capital cover
541%
SCR ratio · €21m held vs €4.0m required
Claims and costs
122%
combined ratio after reinsurance · gross 103% · market 82%
In shortNumber 18 of 18 in Estonia with 0.3% of premium; its premium grew 2.0% while the market's fell 0.6%. Its non-life business lost money on underwriting, with a combined ratio of 122% after reinsurance against 82% for the market; before reinsurance it was 103%, with 23% of its non-life premium passed to reinsurers. It paid €0.7m in claims, €41 for every €100 of its premium. It holds 5.4 times the capital it must hold.

Latest resultsH1 2026, year to date: €0.8m of premium, −3.3% on H1 2025 (market +2.1%); share 0.2% (±0.0 pp), #18 of 18. More

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KredEx Krediidikindlustus's line mix, and where it stands among the 18 insurers in Estonia on each measure, FY 2025.

Line mix
Other non-life100%
Size#18 of 18 by premium
€1.7m
larger than 0%median €27m
GrowthFY 2025 against 2024, in EUR
+2.0%
ahead of 59%median +1.4%
Claims and costs
— non-life premium under €5m
Capital coverSCR ratio: own funds ÷ SCR
541%
ahead of 100%median 177%
Return on equitynet profit ÷ average equity
1.9%
ahead of 0%median 17.1%

Each bar runs from the weakest to the strongest of the insurers in Estonia 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
Elama Kindlustus0.9%1.5%1.1%1.2%1.7%
Gjensidige (branch)2.0%1.4%1.6%1.8%1.7%
Balcia Insurance (branch)——0.0%0.6%1.4%
Telia Försäkring (branch)1.0%1.0%0.9%0.8%0.7%
KredEx Krediidikindlustus0.6%0.5%0.3%0.2%0.3%

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
    Aktsiaselts KredEx Krediidikindlustus
    Registered seat
    Tallinn, Estonia
    Website
    krediidikindlustus.ee
    LEI
    549300WW5DJH942O0269
    Employees
    11 (2025; 12 in 2022, 10 in 2023, 11 in 2024)
    Premium per employee
    €155k (FY 2025; median for non-life insurers in Estonia: €396k; 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 KredEx Krediidikindlustus

    Short answers from the figures on this page.

    What is KredEx Krediidikindlustus's market share in Estonia?

    KredEx Krediidikindlustus wrote €1.7m of premium in FY 2025, 0.3% of all premium in Estonia, ranking #18 of 18 insurers; its premium grew 2.0% on FY 2024.

    Who owns KredEx Krediidikindlustus?

    Polisa records no group for KredEx Krediidikindlustus in FY 2025.

    What does KredEx Krediidikindlustus sell?

    KredEx Krediidikindlustus is a non-life insurer; all its premium in FY 2025 is other non-life.

    Is KredEx Krediidikindlustus well capitalised?

    KredEx Krediidikindlustus's SCR ratio was 541% at 31 December 2025: it held 5.4 times the capital Solvency II requires, against a median of 177% for the insurers in Estonia.

    Is KredEx Krediidikindlustus profitable?

    KredEx Krediidikindlustus made a net profit of €0.4m in FY 2025, a return on equity of 1.9%; its non-life combined ratio was 122% after reinsurance.

    Is KredEx Krediidikindlustus growing?

    KredEx Krediidikindlustus's premium grew 2.0% in FY 2025 while the market in Estonia shrank 0.6%.

    Sources for this page

    Premium, lines and claims: Statistics Estonia, tables RRI07 (non-life) and RRI05 (life) by insurer, CC BY-SA 4.0. Earned premium, claims incurred and expenses (S.05.01) and solvency (S.23.01): each domestic insurer's SFCR, FY 2021–2025, scaled to its Estonian business with the per-country template. How these numbers are built.

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    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). KredEx Krediidikindlustus (Estonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ee-kredex-krediidikindlustus

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_ee_kredex_krediidikindlustus_2026,
  author       = {{Polisa}},
  title        = {KredEx Krediidikindlustus (Estonia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/ee-kredex-krediidikindlustus}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: Statistics Estonia (CC BY-SA 4.0), Tax and Customs Board (open data), RIK (no re-use terms published), insurers' SFCRs (public disclosures, linked).