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

Solvency and financial condition report (SFCR)

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

The public report on the undertaking's business, governance, risk profile, valuation for solvency purposes and capital management, in the structure of Annex XX of Delegated Regulation (EU) 2015/35, with the quantitative templates of ITS 2023/895 attached. It must be understandable to non-specialist readers; BaFin can demand corrections or updates (section 42 VAG). It is also submitted to BaFin. Source

Official title: Bericht über die Solvabilität und Finanzlage (SFCR)

The facts

Who files
Solvency II insurance and reinsurance undertakings, and groups (group SFCR). Publication needs the management board's approval (section 40(1) VAG). Source
How often
Annual. Source
Deadline
Solo: SFCR 2026 by 7 May 2027; SFCR 2027 by 5 May 2028. Groups: 17 June 2027 and 16 June 2028. BaFin's list says the SFCR deadline rises from 14 to 18 weeks (groups from 22 to 24 weeks) under Directive (EU) 2025/2 for reporting submitted from 30 January 2027. 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 Delegated Regulation (EU) 2015/35 (Articles 290 et seq. and 359 et seq., as cited by BaFin) and the public templates by ITS 2023/895; the quantitative templates appended to the SFCR are the EIOPA public disclosure templates, see the library's EIOPA entries eiopa/aps and eiopa/apg (Annual public disclosure templates, individual insurer and group). 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

Each firm publishes its own, on its website; the regulator does not collect it into one dataset. Each undertaking publishes its SFCR on its own website, where it must be easy to find, or on its group's website if it has none (BaFin notes, section 5.1.1). No central BaFin repository was found. 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.