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Scardian

Kosovo*scardian.com ↗#3 of 12 in Kosovo*, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
Central Bank of Kosovo insurance statistics; solvency margin, not Solvency II
Latest figures
FY 2025, Jan–Sep 2026
Next update
FY 2026, around May 2027

Sources for Kosovo*What changed

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Premium
€22m
12.0% of Kosovo*
Growth
+12.1%
FY 2025 vs 2024, in EUR · market +6.6%
Life share
0%
of own premium
Capital cover
—
Not published by the company
Claims and costs
87%
combined ratio after reinsurance · gross 84% · market 94%
In shortNumber 3 of 12 in Kosovo* with 12.0% of premium, growing faster than the market. Strongest in Health, with 17.6% of the line. Its non-life business made money on underwriting, with a combined ratio of 87% after reinsurance against 94% for the market. It paid €11m in claims, €49 for every €100 of its premium.

Latest resultsJan–Sep 2026, year to date: €17m of premium, +6.0% on Jan–Sep 2025 (market +5.5%); share 11.7% (+0.1 pp), #4 of 12. More

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Scardian's line mix, and where it stands among the 12 insurers in Kosovo* on each measure, FY 2025.

Line mix
Motor TPL46%
Health31%
Casco8%
Property8%
Other non-life7%
Size#3 of 12 by premium
€22m
larger than 82%median €15m
GrowthFY 2025 against 2024, in EUR
+12.1%
ahead of 82%median +5.8%
Claims and costsnon-life combined ratio, after reinsurance
87%
better than 89%median 96%
Capital cover
— not published
Return on equitynet profit ÷ average equity
25.5%
ahead of 82%median 11.9%

Each bar runs from the weakest to the strongest of the insurers in Kosovo* 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
Sigal12.0%12.3%13.0%13.2%13.3%
Illyria11.6%12.0%11.9%11.5%12.5%
Scardian10.8%12.1%12.2%11.5%12.0%
Eurosig9.4%11.1%11.7%11.5%11.6%
Elsig9.8%10.6%10.8%11.6%11.4%

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
    scardian.com
    Employees
    227 (2025; 204 in 2022, 218 in 2023, 232 in 2024)
    Premium per employee
    €95k (FY 2025; median for non-life insurers in Kosovo*: €95k; all insurers)

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

    Questions about Scardian

    Short answers from the figures on this page.

    What is Scardian's market share in Kosovo*?

    Scardian wrote €21.6m of premium in FY 2025, 12.0% of all premium in Kosovo*, ranking #3 of 12 insurers; its premium grew 12.1% on FY 2024.

    Who owns Scardian?

    Polisa records no group for Scardian in FY 2025.

    What does Scardian sell?

    Scardian is a non-life insurer; its largest lines in FY 2025 are motor TPL (45.6% of its premium), health (31.5%) and casco (8.1%).

    Is Scardian profitable?

    Scardian made a net profit of €2.7m in FY 2025, a return on equity of 25.5%; its non-life combined ratio was 87% after reinsurance.

    Is Scardian growing?

    Scardian's premium grew 12.1% in FY 2025, faster than the market in Kosovo* (+6.6%).

    Sources for this page

    Premium, lines and claims: Central Bank of Kosovo, insurance statistics. Solvency margin: CBK and the insurer's annual report. 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). Scardian (Kosovo*): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/xk-scardian

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_xk_scardian_2026,
  author       = {{Polisa}},
  title        = {Scardian (Kosovo*): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/xk-scardian}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: CBK (no re-use terms published), Kosovo Agency of Statistics (no re-use terms published).