v3.25.3
Insurance contracts (Details) - EUR (€)
€ in Thousands
9 Months Ended 12 Months Ended
Sep. 30, 2025
Dec. 31, 2024
Reinsurance contracts    
Insurance and reinsurance contracts    
Insurance contract receivables (liabilities) at the beginning of the period € (9,988) € 52,206
Incurred claims and other directly attributable expenses (211,431) (244,757)
Changes that relate to past service - changes in the fulfillment cash-flows relating to LIC 18,885 (58,654)
Claims and other directly attributable expenses paid (393,123) (562,067)
Premium revenue 614,687 802,597
Foreign currency translation and other changes (220) 687
Insurance contract receivables (liabilities) at the end of the period 18,810 (9,988)
Premium revenue for past performance years 14,408 (14,916)
Reinsurance contracts | Present value of future cash flows    
Insurance and reinsurance contracts    
Insurance contract receivables (liabilities) at the beginning of the period (9,287) 53,137
Incurred claims and other directly attributable expenses (211,569) (245,035)
Changes that relate to past service - changes in the fulfillment cash-flows relating to LIC 18,885 (58,654)
Claims and other directly attributable expenses paid (393,123) (562,067)
Premium revenue 614,687 802,597
Foreign currency translation and other changes (295) 735
Insurance contract receivables (liabilities) at the end of the period 19,298 (9,287)
Reinsurance contracts | Risk adjustment for non-financial risk    
Insurance and reinsurance contracts    
Insurance contract receivables (liabilities) at the beginning of the period (701) (931)
Incurred claims and other directly attributable expenses 138 278
Foreign currency translation and other changes 75 (48)
Insurance contract receivables (liabilities) at the end of the period (488) (701)
Insurance contracts    
Insurance and reinsurance contracts    
Insurance contract receivables (liabilities) at the beginning of the period (8,339) 26,836
Incurred claims and other directly attributable expenses (494,647) (242,885)
Changes that relate to past service - changes in the fulfillment cash-flows relating to LIC 1,581 (16,108)
Claims and other directly attributable expenses paid (398,165) (604,843)
Premium revenue 906,573 828,437
Foreign currency translation and other changes 235 224
Insurance contract receivables (liabilities) at the end of the period 7,238 (8,339)
Premium revenue for past performance years 23,549 (2,095)
Insurance contracts | Present value of future cash flows    
Insurance and reinsurance contracts    
Insurance contract receivables (liabilities) at the beginning of the period (7,751) 27,389
Incurred claims and other directly attributable expenses (494,763) (242,885)
Changes that relate to past service - changes in the fulfillment cash-flows relating to LIC 1,581 (16,108)
Claims and other directly attributable expenses paid (398,165) (604,843)
Premium revenue 906,573 828,437
Foreign currency translation and other changes 173 259
Insurance contract receivables (liabilities) at the end of the period 7,648 (7,751)
Insurance contracts | Risk adjustment for non-financial risk    
Insurance and reinsurance contracts    
Insurance contract receivables (liabilities) at the beginning of the period (588) (553)
Incurred claims and other directly attributable expenses 116  
Foreign currency translation and other changes 62 (35)
Insurance contract receivables (liabilities) at the end of the period € (410) € (588)