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In forceOccupational pension undertakings: national solvency returns (national)Last checked 13 November 2026

Solvency (VD)

A regulatory return listed by the Finanssivalvonta (Financial Supervisory Authority, Finland) (FIN-FSA), Finland.

A national FIN-FSA return, table 'VD' under FIN-FSA regulations and guidelines 1/2011 (Submission of machine-readable supervisory data to the FIN-FSA by an entity operating in the insurance market): solvency. Source

The facts

Who files
Benefit-based occupational pension providers: employee pension insurance companies, the Seafarers' Pension Fund, and the benefit-based ('B') pension funds and pension foundations. Source
How often
Quarterly, as at 31 March, 30 June, 30 September and 31 December. Source
Deadline
15 May, 15 August, 15 November, 15 February. Source
Format
CSV. Filed through the Reporter Portal as a CSV file built to FIN-FSA's data collection, under FIN-FSA's 'Vakra' insurance-sector data collection arrangement. Source
How it is filed
Filing routes recorded for the FIN-FSA: Reporter Portal (Raportoijan portaali) and Validation Service; MiFIR transaction reporting (SFTP); Secure email. See how firms file with the FIN-FSA.
Status
In force
Legal basis
Group
Occupational pension undertakings: national solvency returns (national)

Templates (3)

The tables and forms inside the return. Plain name first, the FIN-FSA's code in brackets.

  • Solvency capital (VD01a)
  • Solvency capital (VD01g)
  • Valuation differences in employee pension providers' solvency capital (VD02)

Group title in the workbook: 'Vakavaraisuus' (solvency). Filed quarterly by benefit-based occupational pension providers; the VD-ohje guide states VD is collected quarterly for FIN-FSA's supervision and for compiling insurance statistics. Source

Validation rules

65 rules, as counted from the FIN-FSA's published material. Software can run them exactly as published. Source

How they are written: A sheet in the table workbook with one rule per row: the rule itself as a formula over table cells in the column ValidationCode (for example 'VA01a(1020,10)=SUM(VA01a(102010,10):VA01a(102030,10))'), then the table code, start and end date, frequency, system code, severity and interval..

The same workbook is the table template for the return.

The rules, on finanssivalvonta.fi

How they were counted

65 rows on the sheet 'FIN-FSA Validation rules' in the table workbook vd_lomakemalli_fi.xlsx, one per ValidationCode, none with an end date before 13 November 2026. Every rule has the severity 'Warning'.

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

Public data

Published firm by firm. FIN-FSA's pension-insurance statistics page publishes a solvency workbook by employee pension insurance company ('vakavaraisuus', current through 2026) that matches VD directly; its 'Solvency of the financial sector' dashboard covers the same subject (employee pension sector solvency) at aggregate, sector level only. Source

Where it is published (Excel)

  • Pension insurance statistics

    Firm by firm · Excel (xls)

    Confirmed firm-level: the key-figures workbook (2025_tunnusluvut_e_fi_sv_en.xlsx, read 13 Nov 2026) names each employee pension insurance company in its own column (for example 'Keskinäinen Eläkevakuutusyhtiö Etera', 'Eläkevakuutusosakeyhtiö Veritas') and was last updated 2 June 2026. The 'only to 2010' note in an earlier version of this entry was wrong: the page currently offers current series (labelled '2017-', '2022-' etc., with files dated into 2026) for employee pension insurance companies and industry-wide/company pension funds, alongside older 2001-2016 archive files. Source

  • Solvency of the financial sector

    Added up across firms · Interactive online dashboard

    Three interactive dashboards that run in the browser (banking and conglomerates; life/non-life insurance; employee pension sector); the page carries almost no text beyond the three headings and 'Fullscreen mode' controls, so the aggregate/firm-level split could not be read from the page itself with this library's access rules (no browser, no JavaScript). Kept as 'aggregate' on the basis of the page's own 'solvency of the financial sector' framing (sector-wide, not firm by firm); not independently confirmed from the dashboards' own data. Source

Official documents (6)

The FIN-FSA's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

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 FIN-FSA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Finanssivalvonta (Financial Supervisory Authority, FIN-FSA), https://www.finanssivalvonta.fi

Last checked 13 November 2026.