Line4

In forceInsurers: Solvency II narrative reporting (EU, EIOPA)Last checked 11 November 2026

Own risk and solvency assessment supervisory report (ORSA)

A regulatory return listed by the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht) (BaFin), Germany.

The report to BaFin on the results of the undertaking's own risk and solvency assessment: its overall solvency needs, continuous compliance with capital and technical provision requirements, and how far its risk profile deviates from the assumptions behind the SCR. It is not a free-form internal report and must stand on its own. Source

Official title: Bericht über die unternehmenseigene Risiko- und Solvabilitätsbeurteilung (ORSA-Bericht)

The facts

Who files
Solvency II insurance and reinsurance undertakings, and groups (group ORSA report). An ad hoc ORSA and report are needed after a material change in risk profile. Source
How often
After each regular ORSA, which is annual; plus ad hoc reports after a material change in risk profile. Source
Deadline
Within two weeks after the ORSA is completed (when the management board signs off the internal ORSA report); the same for group and ad hoc reports (BaFin notes, section 5.3). Source
Format
PDF. A searchable PDF (PDF/A-1a or PDF/A-2a) uploaded in the procedure 'Versicherungsaufsicht - Solvency II', submission 'Narrative Solvency II Meldung (PDF)'. File names: SFCR_<register number>_<year>.pdf, RSR_<register number>_<year>.pdf, ORSA_<register number>_<year>.pdf; suffix _G for group reports, _ADHOC for ad hoc reports and _FA for a nil return where the solo report is covered by the group report. Reports that break the naming rules are not accepted. Narrative reports of insurers are written in German. Source
How it is filed
Filing routes recorded for the BaFin: MVP Portal (Melde- und Veröffentlichungsplattform, reporting and publishing platform); Direct submission to BaFin outside the MVP Portal. See how firms file with the BaFin.
Status
In force
Legal basis
Group
Insurers: Solvency II narrative reporting (EU, EIOPA)

Templates (0)

The library lists no templates for this return.

EU report: content is set by the Solvency II Directive and Delegated Regulation; there are no templates. The library's EIOPA entry covers only the quantitative returns. Source

Validation rules

The BaFin publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

How they are written: File type and file name conventions in BaFin's MVP information sheet.

The rules, on bafin.de

How they were counted

No content rules to count: only file type and naming checks are published for narrative reports.

Counts are in the BaFin's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. The ORSA report is confidential; nothing from it is published. Source

Official documents (12)

The BaFin's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

  • MVP-Portal

    List of returns · HTML

    BaFin's page on its reporting and publishing platform (Melde- und Veröffentlichungsplattform, MVP). It lists 44 specialised procedures (Fachverfahren) firms use to file with BaFin, with registration steps and manuals. Read in German; the English version lists only 18 of them.

  • MVP Portal

    List of returns · HTML

    English version of the MVP Portal page. It lists 18 specialised procedures, fewer than the German page.

  • MVP Portal

    List of returns · HTML

    English version of the MVP Portal page. It lists 18 specialised procedures, fewer than the German page.

  • Berichtspflichten (Versicherer & Pensionsfonds)

    List of returns · HTML

    BaFin's page on the reporting obligations of insurers and IORPs: the Solvency II elements (SFCR, RSR, ORSA report, annual and quarterly quantitative reports, group reports, financial stability reporting) and the EIOPA/ECB pension data reporting for IORPs.

  • Rechtsgrundlagen zu Solvency II

    Legal text · HTML

    BaFin's page listing the Solvency II Directive, the Delegated Regulation, the implementing technical standards (including 2023/894 and 2023/895) and EIOPA guidelines, with EUR-Lex links.

  • Hinweise zum Solvency II-/EZB-Berichtswesen für Erst- und Rückversicherungsunternehmen und Versicherungsgruppen

    Guidance · PDF · 1.2 MB · 13 November 2025

    111-page notes issued by BaFin and the Deutsche Bundesbank on Solvency II and ECB insurance statistics reporting: filing route, deadlines and data quality, Bundesbank validations, quarterly reporting, template-by-template guidance, the narrative reports (SFCR, RSR, ORSA), internal model templates, financial stability reporting (section 43a VAG), integrated PEPP reporting and the German product ID codes (PIDC) for S.14. Binding from Q4 2025 and annual 2025 reporting.

    SHA-256 f192cf5865c7show in fullf192cf5865c77e9439733b4b4783ccd28f7785b9760f6fe03b0261e701165a8e
  • Fristen Solvency II Berichtswesen

    List of returns · PDF · 40.0 KB · 8 October 2026

    Solo and group submission dates for the quarterly and annual quantitative reports and the SFCR and RSR, Q3/2026 to SFCR/RSR 2027, with a note on the longer deadlines under Directive (EU) 2025/2 from 30 January 2027.

    SHA-256 f322c7491da4show in fullf322c7491da4f78d8aa8513d423c43a98bbabd89b517db91908c3f29e468704d
  • Fachverfahren Versicherungsaufsicht - Solvency II

    Filing rules · HTML

    MVP procedure page: quantitative Solvency II reports in XBRL, narrative reports in PDF, auditor's report on the solvency balance sheet (PDF), special use (BV-SII) and explanations to the cover calculation (EZBR).

  • Electronic filings related to Insurance Supervision under Solvency II

    Filing rules · HTML · 4 February 2015

    English version, last changed 04/02/2015. It still says only taxonomy v1.5.2.c can be processed, which is out of date against the German pages.

  • Informationsblatt zum Fachverfahren Versicherungsaufsicht - Solvency II

    Filing rules · PDF · 692.8 KB · 24 September 2026

    Registration, file types, file naming (SII_<register number>_<period>_<sequence>.zip; RSR_, ORSA_, SFCR_ PDFs), upload form fields, the table of report types, reporting lines and XBRL entry points, the checks run on upload (file name, XBRL validity, metadata match, taxonomy rules, EIOPA filing rules) and group and non-calendar-year reporting.

    SHA-256 2eab9dab4a41show in full2eab9dab4a41c773d218f1a0c6c13ce36214184dc0fbe8e275015e7c6d858568
  • Benutzerhandbuch für das MVP Portal

    Guidance · PDF · 3.3 MB

    User manual for registering on the MVP Portal and applying for specialised procedures. Not read in full; size and hash recorded.

    SHA-256 ad770ad7df85show in fullad770ad7df85ff9be0dcd51cb1dc67d7edb2db7c7c6cb35cab09ca5ff605278e
  • Act on the Supervision of Insurance Undertakings (Insurance Supervision Act, VAG), English translation

    Legal text · PDF · 1.9 MB · 27 February 2025

    BaFin's English translation of the VAG (information only; the German text is binding). Cited for the sections BaFin's notes name; not read in full.

    SHA-256 8218759f9b54show in full8218759f9b541058c6e5ce36bd7d5fba45eeb54b7f29589151893f65005c2f1d

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BaFin's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

© Federal Financial Supervisory Authority / www.bafin.de. Documents copied here are unchanged. The plain-English summaries are Line4's own; BaFin does not endorse this library.

Last checked 11 November 2026.