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ZOIL

North Macedoniaaltains.mk ↗#17 of 17 in North Macedonia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
ISA reports on insurance companies; solvency margin, not Solvency II
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around December 2026

Sources for North MacedoniaWhat changed

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Premium
€0.7m
0.3% of North Macedonia
Growth
−16.9%
FY 2025 vs 2024, in MKD · market +12.3%
Life share
0%
of own premium
Capital cover
—
Solvency margin · €2.5m held vs €0.1m required
Claims and costs
—
Not usable, see data note
In shortNumber 17 of 17 in North Macedonia with 0.3% of premium; its premium fell 16.9% while the market grew 12.3%. It paid €0.4m in claims, €49 for every €100 of its premium.

In the news19 Feb 2026: ISA takes up request to acquire a qualifying holding in ZOIL Makedonija All news for North Macedonia

Latest eventAug 2026: Serbian businessman Davor Macura's Alta Group bought all 60,000 shares of ZOIL Makedonija in a block trade on the Macedonian Stock Exchange for… More

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ZOIL's line mix, and where it stands among the 17 insurers in North Macedonia on each measure, FY 2025.

Line mix
Motor TPL88%
Casco9%
Accident3%
Size#17 of 17 by premium
€0.7m
larger than 0%median €15m
GrowthFY 2025 against 2024, in MKD
−16.9%
ahead of 0%median +10.0%
Claims and costs
— no non-life business
Capital cover
— not published
Return on equitynet profit ÷ average equity
−23.5%
ahead of 0%median 11.5%

Each bar runs from the weakest to the strongest of the insurers in North Macedonia 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
Halk8.5%5.4%5.4%6.0%6.7%
Osiguritelna Polisa5.7%5.6%5.6%5.6%5.4%
GRAWE Non-life2.7%2.8%3.7%4.5%4.3%
Euroins6.9%7.5%6.8%5.6%4.2%
ZOIL———0.3%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

    Website
    altains.mk
    Employees
    6 (2025)
    Premium per employee
    €121k (FY 2025; median for non-life insurers in North Macedonia: €131k; all insurers)

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

    Questions about ZOIL

    Short answers from the figures on this page.

    What is ZOIL's market share in North Macedonia?

    ZOIL wrote €0.728m of premium in FY 2025, 0.3% of all premium in North Macedonia, ranking #17 of 17 insurers; its premium fell 16.9% on FY 2024 in MKD.

    Who owns ZOIL?

    Polisa records no group for ZOIL in FY 2025.

    What does ZOIL sell?

    ZOIL is a non-life insurer; its largest lines in FY 2025 are motor TPL (88.2% of its premium), casco (9.3%) and accident (2.5%).

    Is ZOIL profitable?

    ZOIL made a net loss of €0.55m in FY 2025, a return on equity of −23.5%.

    Is ZOIL growing?

    ZOIL's premium fell 16.9% in MKD in FY 2025 while the market in North Macedonia grew 12.3%.

    Sources for this page

    Premium, lines, claims and solvency margin: ISA (Insurance Supervision Agency of North Macedonia), quarterly reports on insurance companies. 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). ZOIL (North Macedonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/mk-zoil

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_mk_zoil_2026,
  author       = {{Polisa}},
  title        = {ZOIL (North Macedonia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/mk-zoil}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: ISA (no re-use terms published), MSE (personal non-commercial use only).