PAID
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →In the news6 Sep 2026: Compulsory home (PAD) policies up 9.4% year on year to almost 2.5 million All news for Romania
Latest resultsH1 2026, year to date: €31m of premium, +12.5% on H1 2025 (market +13.1%); share 1.3% (±0.0 pp), #14 of 24. More
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PAID's line mix, and where it stands among the 25 insurers in Romania on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Romania 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 |
|---|---|---|---|---|---|
| UNIQA | 2.7% | 2.3% | 2.3% | 2.3% | 2.1% |
| Eazy Asigurări | — | — | — | 0.3% | 1.6% |
| PAID | 1.2% | 1.1% | 1.1% | 1.5% | 1.4% |
| Signal Iduna Asigurări (ex-ERGO) | 0.4% | 0.4% | 0.5% | 0.5% | 0.6% |
| ABC Asigurări | 0.4% | 0.3% | 0.4% | 0.5% | 0.5% |
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
PAID beside the other insurers of Romania: operating ratio, sources of profit and leverage →
Ownership and events
Company details
- Legal name
- POOL - UL DE ASIGURARE ÎMPOTRIVA DEZASTRELOR NATURALE SA
- Registered seat
- Bucharest, Romania
- Website
- padrom.ro
- Employees
- 41 (2025; 41 in 2022, 40 in 2023, 38 in 2024)
- Premium per employee
- €1.45m (FY 2025; median for non-life insurers in Romania: €312k; 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. Employees: average number of employees in the year, from the Ministry of Finance's open data of insurers' financial statements (data.gov.ro).
Questions about PAID
Short answers from the figures on this page.
What is PAID's market share in Romania?
PAID wrote €59.4m of premium in FY 2025, 1.4% of all premium in Romania, ranking #14 of 25 insurers; its premium grew 2.0% on FY 2024 in RON.
Who owns PAID?
Polisa records no group for PAID in FY 2025.
What does PAID sell?
PAID is a non-life insurer; all its premium in FY 2025 is property.
Is PAID well capitalised?
PAID's SCR ratio was 250% at 31 December 2025: it held 2.5 times the capital Solvency II requires, against a median of 164% for the insurers in Romania.
Is PAID profitable?
PAID made a net profit of €12.8m in FY 2025, a return on equity of 22.0%; its non-life combined ratio was 49% after reinsurance.
Is PAID growing?
PAID's premium grew 2.0% in RON in FY 2025, slower than the market in Romania (+10.6%).
Sources for this page
Premium: ASF (Financial Supervisory Authority), annual report on the insurance market, annex tables of market shares per insurer and RCA shares. Other lines, 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. 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.
Polisa. (2026). PAID (Romania): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ro-paid
BibTeXShow entry
@misc{polisa_insurers_ro_paid_2026,
author = {{Polisa}},
title = {PAID (Romania): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/ro-paid}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: ASF (free with credit), Ministry of Finance (CC BY 4.0 (portal policy)), insurers' SFCRs (public disclosures, linked).