ERGO Insurance SE
Active Registry code 10017013
SE Tallinn Registered 21 Mar 1996
ERGO Insurance SE is a SE based in Tallinn, registry code 10017013, status: active. Main activity: Non-life insurance. According to EMTA, turnover for Q3 2026 was €1 762 901 with 284 employees.
Turnover
1 762 901 €
↓ 39.7% vs Q2 2026
State taxes
1 840 618 €
↓ 10.3% vs Q2 2026
Labour taxes
1 622 699 €
↑ 7.6% vs Q2 2026
Employees
284
+3 vs Q2 2026
Q3 2026 · data from the Tax and Customs Board (EMTA)
Position in the industry
- Turnover · Q3 2026 1.8 mn €above 98% of companiesindustry median 110 827 € · companies in the industry: 22
- Labour taxes per employee 5 714 €above 56% of companiesindustry median 5 248 € · companies in the industry: 25
- Revenue · 2025 80.6 mn €above 90% of companiesindustry median 87 188 € · companies in the industry: 31
- Net profit margin · 2025 28.1 %above 73% of companiesindustry median 14.1 % · companies in the industry: 23
Taxes and turnover
- Company
- Industry median
Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.
| Quarter | Turnover, € | State taxes, € | Labour taxes, € | Employees |
|---|---|---|---|---|
| Q3 2026 | 1 762 901 | 1 840 618 | 1 622 699 | 284 |
| Q2 2026 | 2 921 880 | 2 051 107 | 1 507 961 | 281 |
| Q1 2026 | 3 887 316 | 2 304 515 | 1 557 558 | 280 |
| Q4 2025 | 1 044 114 | 1 681 042 | 1 460 232 | 276 |
| Q3 2025 | 2 426 615 | 1 928 583 | 1 556 417 | 266 |
| Q2 2025 | 1 111 685 | 1 527 312 | 1 399 445 | 273 |
| Q1 2025 | 3 137 055 | 1 899 425 | 1 429 695 | 265 |
| Q4 2024 | 2 095 901 | 1 624 350 | 1 280 827 | 259 |
| Q3 2024 | 672 681 | 1 445 262 | 1 362 267 | 265 |
| Q2 2024 | 1 125 913 | 1 413 313 | 1 288 675 | 272 |
| Q1 2024 | 2 792 153 | 1 682 305 | 1 227 640 | 261 |
| Q4 2023 | 1 144 780 | 1 263 484 | 1 183 531 | 253 |
| Q3 2023 | 1 951 262 | 1 565 625 | 1 264 762 | 251 |
| Q2 2023 | 2 196 497 | 1 478 157 | 1 140 136 | 254 |
| Q1 2023 | 3 725 524 | 1 907 294 | 1 147 264 | 247 |
| Q4 2022 | 2 778 133 | 1 434 804 | 1 105 825 | 250 |
| Q3 2022 | 2 327 157 | 1 611 216 | 1 097 673 | 249 |
| Q2 2022 | 4 667 185 | 1 788 600 | 1 080 586 | 255 |
| Q1 2022 | 5 227 442 | 1 985 864 | 1 049 578 | 246 |
Labour taxes per employee per month
1 905 €
Turnover per employee in the quarter
6 207 €
Q3 2026 · calculated from EMTA data
Financials by year
- Company
- Industry median
Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.
- Company
- Industry median
Industry: Insurance, reinsurance and pension funding, except compulsory social security (the EMTAK division of the main activity). Median: half of the industry is above, half below.
| Year | Revenue, € | Net profit, € | Labour costs, € | Assets, € | Equity, € | Employees |
|---|---|---|---|---|---|---|
| 2025 | 80 592 570 | 22 623 048 | — | 419 995 636 | 135 384 556 | 289 |
| 2024 | 88 087 304 | — | — | 155 998 620 | — | 259 |
| 2023 | 82 811 566 | 2 589 528 | — | 346 522 122 | 92 326 761 | 222 |
| 2022 | 68 920 862 | 5 269 592 | — | 350 852 319 | 68 699 985 | 222 |
| 2021 | 66 527 045 | — | — | 131 688 667 | — | 221 |
| 2020 | 194 141 234 | 13 042 451 | 8 795 082 | 306 756 770 | 80 611 202 | 224 |
| 2019 | 61 662 526 | — | — | 103 012 330 | — | 231 |
| 2018 | — | — | — | — | — | 255 |
| 2017 | — | — | — | — | — | 255 |
| 2016 | — | — | — | — | — | 263 |
| 2015 | — | — | — | — | — | 308 |
| 2014 | — | — | — | — | — | 321 |
| 2013 | — | — | — | — | — | 335 |
| 2012 | — | — | — | — | — | 424 |
| 2011 | — | — | — | — | — | 427 |
| 2010 | — | — | — | — | — | 471 |
| 2008 | — | — | — | — | — | 0 |
| 2007 | — | — | — | — | — | 579 |
| 2006 | — | — | — | — | — | 595 |
| 2005 | — | — | — | — | — | 569 |
Figures from the company’s own (non-consolidated) balance sheet and income statement. A loss is shown with a minus sign.
Financial ratios for 2025
Net profit margin
28.1 %
Net profit / revenue
Return on equity (ROE)
16.7 %
Net profit / equity
Return on assets (ROA)
5.4 %
Net profit / assets
Equity ratio
32.2 %
Equity / assets
Revenue per employee
278 867 €
Revenue / average full-time employees
Annual reports
| Year | Period | Filed | Report | Documents |
|---|---|---|---|---|
| 2025 | 1 Jan 2025 – 31 Dec 2025 | 26 May 2026 | Consolidated · audited | e-Äriregister |
| 2024 | 1 Jan 2024 – 31 Dec 2024 | 11 Jun 2025 | Consolidated · audited | e-Äriregister |
| 2023 | 1 Jan 2023 – 31 Dec 2023 | 1 Jul 2024 | Consolidated · audited | e-Äriregister |
| 2022 | 1 Jan 2022 – 31 Dec 2022 | 9 Jun 2023 | Consolidated · audited | e-Äriregister |
| 2021 | 1 Jan 2021 – 31 Dec 2021 | 17 Aug 2022 | Consolidated · audited | e-Äriregister |
| 2020 | 1 Jan 2020 – 31 Dec 2020 | 4 May 2021 | Consolidated · audited | e-Äriregister |
| 2019 | 1 Jan 2019 – 31 Dec 2019 | 14 Oct 2020 | Consolidated · audited | e-Äriregister |
Board
- Nasdaq CSD SEKeeper of the share ledger · since 12 Oct 2017
- Marek RatnikBoard member · since 20 Jul 2018
- Ursula Clara DeschkaBoard member · since 4 May 2023
- Tadas DovbysasBoard member · since 29 May 2023
- Aija MedneBoard member · since 5 Feb 2024
- Laime NaruševičienėBoard member · since 29 Jan 2025
Right of representation
Any member of the management board may represent the company in all transactions.
Owners
No owner information.
Owner in
- 100%
Beneficial owners
- Laime NaruševičienėMember of a senior management body (management or supervisory board) · LTU · since 13 Jun 2025
- Aija MedneMember of a senior management body (management or supervisory board) · LVA · since 11 Jun 2025
- Ursula Clara DeschkaMember of a senior management body (management or supervisory board) · LVA · since 22 May 2023
- Marek RatnikMember of a senior management body (management or supervisory board) · since 4 Mar 2021
- Tadas DovbyšasMember of a senior management body (management or supervisory board) · LTU · since 4 Mar 2021
Founders and other persons
- Ernst & Young Baltic ASAudit firm · 9 Nov 2022
- Theodoros KokkalasChairman of the supervisory board · 17 Jan 2025
- Ilona MiheleSupervisory board member · 26 Sep 2022
- Dirk Christoph SchautesSupervisory board member · 17 Jan 2025
- Dominique GodinSupervisory board member · 17 Jan 2025
- Omanikukonto: ERGO INTERNATIONAL AGShareholder · 6 391 391 € · 16 Aug 2023
Related companies
Activities (EMTAK)
- 65121Non-life insurance Main
Rulings
All rulings (PDF)| Number, date | Title | Deadline | State | Document |
|---|---|---|---|---|
| Ä 10000861 / 64 1 Nov 2026 |
Second (constitutive) cross-border merger entry | In force 1 Nov 2026 |
||
| Ä 10000861 / 63 2 Oct 2026 |
Entry on a set date | In force 2 Oct 2026 |
||
| Ä 10000861 / M33 30 Sep 2026 |
Ruling to eliminate deficiencies | 31 Oct 2026 | Deficiencies eliminated 1 Oct 2026 |
|
| Ä 10000861 / 62 11 Aug 2026 |
Amendment entry | In force 11 Aug 2026 |
||
| Ä 10000861 / M32 31 Mar 2026 |
Procedural ruling | 7 Apr 2026 | In force 31 Mar 2026 |
|
| Ä 10000861 / M31 5 May 2025 |
Procedural ruling | In force 5 May 2025 |
||
| Ä 10000861 / 61 29 Jan 2025 |
Amendment entry | In force 29 Jan 2025 |
||
| Ä 10000861 / M30 27 Jan 2025 |
Ruling to eliminate deficiencies | 12 Feb 2025 | Deficiencies eliminated 29 Jan 2025 |
|
| Ä 10000861 / 60 6 Dec 2024 |
Amendment entry | In force 6 Dec 2024 |
||
| Ä 10000861 / M29 8 Nov 2024 |
Ruling to eliminate deficiencies | 11 Dec 2024 | Deficiencies eliminated 6 Dec 2024 |
|
| Ä 10000861 / M28 25 Jun 2024 |
Ruling to eliminate deficiencies | 10 Aug 2024 | In force 13 Aug 2024 |
|
| Ä 10000861 / 59 5 Feb 2024 |
Amendment entry | In force 5 Feb 2024 |
||
| Ä 10000861 / M27 30 Jan 2024 |
Procedural ruling | 9 Feb 2024 | Deficiencies eliminated 30 Jan 2024 |
|
| Ä 10000861 / 58 2 Nov 2023 |
Amendment entry | In force 2 Nov 2023 |
||
| Ä 10000861 / M26 1 Nov 2023 |
Ruling to eliminate deficiencies | Deficiencies eliminated 2 Nov 2023 |
||
| Ä 10000861 / 57 29 May 2023 |
Amendment entry | In force 29 May 2023 |
||
| Ä 10000861 / M25 4 May 2023 |
Ruling to eliminate deficiencies | Deficiencies eliminated 4 May 2023 |
||
| Ä 10000861 / 56 4 May 2023 |
Amendment entry | In force 4 May 2023 |
||
| Ä 10000861 / 55 3 Apr 2023 |
Entry refused: deficiencies not eliminated | In force 5 May 2023 |
||
| Ä 10000861 / M24 23 Feb 2023 |
Ruling to eliminate deficiencies | 29 Mar 2023 | In force 14 Mar 2023 |
|
| Ä 10000861 / M23 16 Jan 2023 |
Procedural ruling | 23 Jan 2023 | In force 16 Jan 2023 |
|
| Ä 10000861 / 54 9 Jan 2023 |
Amendment entry | In force 9 Jan 2023 |
||
| Ä 10000861 / 53 22 Nov 2022 |
Amendment entry | In force 22 Nov 2022 |
||
| Ä 10000861 / M22 20 Oct 2022 |
Procedural ruling | In force 20 Oct 2022 |
||
| Ä 10000861 / 52 13 Oct 2022 |
Amendment entry | In force 13 Oct 2022 |
||
| Ä 10000861 / M21 3 Oct 2022 |
Ruling to correct data outside an entry | 2 Nov 2022 | In force 3 Oct 2022 |
|
| Ä 10000861 / M20 26 Jul 2022 |
Ruling to eliminate deficiencies in the annual report | 25 Aug 2022 | Deficiencies eliminated 17 Aug 2022 |
|
| Ä 10000861 / M19 25 Feb 2022 |
Ruling to correct data outside an entry | 7 Mar 2022 | Deficiencies eliminated 1 Mar 2022 |
|
| Ä 10000861 / M18 13 Dec 2021 |
Procedural ruling | In force 13 Dec 2021 |
||
| Ä 10000861 / 51 26 Nov 2021 |
Amendment entry | In force 26 Nov 2021 |
||
| Ä 10000861 / 50 28 Sep 2021 |
Entry refused: deficiencies not eliminated | In force 30 Nov 2021 |
||
| Ä 10000861 / M17 24 Aug 2021 |
Ruling to correct data outside an entry | 23 Sep 2021 | In force 24 Aug 2021 |
|
| Ä 10000861 / M16 6 Oct 2020 |
Ruling to correct data outside an entry | 21 Oct 2020 | Deficiencies eliminated 12 Oct 2020 |
|
| Ä 10000861 / 49 26 Feb 2020 |
Amendment entry | In force 26 Feb 2020 |
||
| Ä 10000861 / M15 30 Jan 2020 |
Ruling to eliminate deficiencies | 29 Feb 2020 | Deficiencies eliminated 26 Feb 2020 |
|
| Ä 10000861 / 48 3 Jun 2019 |
Amendment entry | In force 3 Jun 2019 |
||
| Ä 10000861 / M14 31 May 2019 |
Ruling to eliminate deficiencies | 30 Jun 2019 | Deficiencies eliminated 3 Jun 2019 |
|
| Ä 10000861 / 47 20 Jul 2018 |
Amendment entry | In force 20 Jul 2018 |
||
| Ä 10000861 / M13 16 Jul 2018 |
Ruling to eliminate deficiencies | 28 Jul 2018 | Deficiencies eliminated 20 Jul 2018 |
|
| Ä 10000861 / 46 16 Apr 2018 |
Amendment entry | In force 16 Apr 2018 |
||
| Ä 10000861 / 45 20 Mar 2018 |
Amendment entry | In force 20 Mar 2018 |
||
| Ä 10000861 / 44 20 Mar 2018 |
Entry refused: deficiencies not eliminated | In force 27 Apr 2018 |
||
| Ä 10000861 / M12 5 Feb 2018 |
Ruling to eliminate deficiencies | 7 Mar 2018 | In force 5 Feb 2018 |
|
| Ä 10000861 / M11 29 Jan 2018 |
Ruling to eliminate deficiencies | 28 Feb 2018 | In force 29 Jan 2018 |
|
| Ä 10000861 / 43 16 Jan 2018 |
Amendment entry | In force 16 Jan 2018 |
||
| Ä 10000861 / 42 7 Nov 2017 |
Amendment entry | In force 7 Nov 2017 |
||
| Ä 10000861 / 41 12 Oct 2017 |
Amendment entry | In force 12 Oct 2017 |
||
| Ä 10000861 / 40 28 Sep 2017 |
Second (constitutive) merger entry | In force 28 Sep 2017 |
||
| Ä 10000861 / 39 7 Sep 2017 |
Amendment entry | In force 7 Sep 2017 |
||
| Ä 10000861 / M10 31 Aug 2017 |
Ruling to eliminate deficiencies | 20 Sep 2017 | Deficiencies eliminated 7 Sep 2017 |
|
| Ä 10000861 / 38 23 Aug 2017 |
Amendment entry | In force 23 Aug 2017 |
||
| Ä 10000861 / 37 3 Apr 2017 |
Amendment entry | In force 3 Apr 2017 |
||
| Ä 10000861 / M9 28 Mar 2017 |
Procedural ruling | 17 Apr 2017 | Deficiencies eliminated 3 Apr 2017 |
|
| Ä 10000861 / M8 28 Mar 2017 |
Ruling to eliminate deficiencies | 17 Apr 2017 | Deficiencies eliminated 3 Apr 2017 |
|
| Ä 10000861 / 36 13 Jan 2016 |
Amendment entry | In force 13 Jan 2016 |
||
| Ä 10000861 / 35 11 Dec 2014 |
Amendment entry | In force 11 Dec 2014 |
||
| Ä 10000861 / 34 20 May 2013 |
Amendment entry | In force 20 May 2013 |
||
| Ä 10000861 / M7 10 May 2013 |
Ruling to eliminate deficiencies | 20 May 2013 | Deficiencies eliminated 17 May 2013 |
|
| Ä 10000861 / 33 2 Jan 2013 |
Transformation entry | In force 2 Jan 2013 |
||
| Ä 10000861 / 32 12 Nov 2012 |
Amendment entry | In force 12 Nov 2012 |
||
| Ä 10000861 / M6 9 Nov 2012 |
Ruling to eliminate deficiencies | 10 Dec 2012 | In force 9 Nov 2012 |
|
| Ä 10000861 / 31 28 Jul 2011 |
Amendment entry | In force 28 Jul 2011 |
||
| Ä 10000861 / 30 24 May 2011 |
Amendment entry | In force 24 May 2011 |
||
| Ä 10000861 / M5 20 May 2011 |
Ruling to eliminate deficiencies | 30 Jun 2011 | In force 20 May 2011 |
|
| Ä 10000861 / 29 7 Apr 2011 |
Amendment entry | In force 7 Apr 2011 |
||
| Ä 10000861 / 28 3 Jan 2011 |
Amendment entry | In force 3 Jan 2011 |
||
| Ä 10000861 / 27 11 May 2010 |
Amendment entry | In force 11 May 2010 |
||
| Ä 861 / 26 5 Jan 2009 |
Deletion of activities from the registry card | In force 9 Jan 2009 |
||
| Ä 861 / M4 29 Feb 2008 |
Refund of the state fee | In force 29 Feb 2008 |
||
| Ä 861 / 25 19 Feb 2008 |
Entry refused: deficiencies not eliminated | In force 25 Feb 2008 |
||
| Ä 861 / 24 7 Dec 2007 |
Amendment entry | In force 7 Dec 2007 |
||
| Ä 861 / M3 23 Nov 2007 |
Ruling to eliminate deficiencies (to be served) | 13 Dec 2007 | Deficiencies eliminated 6 Dec 2007 |
|
| Ä 861 / 23 21 Nov 2007 |
Amendment entry | In force 21 Nov 2007 |
||
| Ä 861 / 22 17 Jul 2007 |
Amendment entry | In force 17 Jul 2007 |
||
| Ä 861 / 21 27 Mar 2007 |
Amendment entry | In force 27 Mar 2007 |
||
| Ä 861 / 20 28 Sep 2006 |
Amendment entry | In force 28 Sep 2006 |
||
| Ä 861 / 19 26 Aug 2005 |
Amendment entry | In force | ||
| Ä 861 / 18 25 Aug 2004 |
Amendment entry | In force | ||
| Ä 861 / 17 23 Aug 2004 |
Amendment entry | In force | ||
| Ä 861 / M2 30 Jun 2004 |
Ruling to eliminate deficiencies (to be served) | In force | ||
| Ä 861 / 16 10 Jan 2003 |
Entry decision on the register’s own initiative | In force | ||
| Ä 861 / M1 21 Mar 2002 |
Refund of the state fee | In force |
Sources: e-Äriregister and EMTA. Data updated 1 Nov 2026. Open at the source ↗ · Report an error in the data