Get the dataData

Asterra Grup

Moldovaasterra.md ↗#2 of 9 in Moldova, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
National Bank of Moldova insurer statistics; solvency margin, not Solvency II
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for MoldovaWhat changed

Compare with nearest rivals →Compare →
Share
LinkedIn
Premium
€25m
14.6% of Moldova
Growth
−17.7%
FY 2025 vs 2024, in MDL · market +3.1%
Life share
0%
of own premium
Capital cover
197%
Solvency margin · €11m held vs €5.8m required
Claims and costs
94%
combined ratio after reinsurance · gross 83% · market 107%
In shortNumber 2 of 9 in Moldova with 14.6% of premium; its premium fell 17.7% while the market grew 3.1%. Its non-life business made money on underwriting, with a combined ratio of 94% after reinsurance against 107% for the market. It paid €12m in claims, €46 for every €100 of its premium. It covers its required solvency margin 2.0 times.

In the news1 Sep 2026: H1 2026: premiums up 11.6% to MDL 1.78bn; Asterra leads with 18.3% All news for Moldova

Latest resultsH1 2026, year to date: €16m of premium, +41.9% on H1 2025 (market +11.6%); share 17.8% (+3.8 pp), #1 of 9. More

Fingerprint

Asterra Grup's line mix, and where it stands among the 9 insurers in Moldova on each measure, FY 2025.

Line mix
Other non-life100%

No line split published: life against non-life.

Size#2 of 9 by premium
€25m
larger than 88%median €21m
GrowthFY 2025 against 2024, in MDL
−17.7%
ahead of 0%median +2.3%
Claims and costsnon-life combined ratio, after reinsurance
94%
better than 100%median 109%
Capital coverlocal solvency margin
197%
ahead of 100%median 153%
Return on equitynet profit ÷ average equity
10.1%
ahead of 88%median 1.2%

Each bar runs from the weakest to the strongest of the insurers in Moldova 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
Asterra Grup17.4%15.0%17.2%18.3%14.6%
Moldasig13.2%16.0%15.2%14.4%12.6%
Donaris VIG11.9%12.9%12.3%12.5%12.4%
General Asigurări14.6%13.6%14.2%14.1%12.2%
Intact Asigurări Generale6.8%9.7%10.3%9.0%10.2%

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

    Website
    asterra.md
    Employees
    216 (2025; 264 in 2022, 322 in 2023, 227 in 2024)
    Premium per employee
    €116k (FY 2025; median for non-life insurers in Moldova: €65k; all insurers)

    Website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about Asterra Grup

    Short answers from the figures on this page.

    What is Asterra Grup's market share in Moldova?

    Asterra Grup wrote €25m of premium in FY 2025, 14.6% of all premium in Moldova, ranking #2 of 9 insurers; its premium fell 17.7% on FY 2024 in MDL.

    Who owns Asterra Grup?

    Polisa records no group for Asterra Grup in FY 2025.

    What does Asterra Grup sell?

    Asterra Grup is a non-life insurer; it writes no life insurance (FY 2025).

    Is Asterra Grup well capitalised?

    Asterra Grup's solvency margin was 197% at 31 December 2025: it covered its required solvency margin 2.0 times, against a median of 153% for the insurers in Moldova (local rules, not Solvency II).

    Is Asterra Grup profitable?

    Asterra Grup made a net profit of €1.43m in FY 2025, a return on equity of 10.1%; its non-life combined ratio was 94% after reinsurance.

    Is Asterra Grup growing?

    Asterra Grup's premium fell 17.7% in MDL in FY 2025 while the market in Moldova grew 3.1%.

    Sources for this page

    Premium, claims paid, solvency margin and profit: National Bank of Moldova, insurer statistics (Indicatori de bază), and the CNPF archive for 2021–2022. Market lines: report on insurers' core business. 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). Asterra Grup (Moldova): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/md-asterra-grup

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_md_asterra_grup_2026,
  author       = {{Polisa}},
  title        = {Asterra Grup (Moldova): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/md-asterra-grup}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: BNM (free with credit, processing stated), Capital market disclosures (no re-use terms published), National Bureau of Statistics of Moldova (CC BY 4.0), World Bank (CC BY 4.0).