Solvency II reporting deadlines for 2025 are established by EIOPA and enforced by national supervisory authorities to ensure timely and consistent transmission of regulatory data from insurers across Europe. These deadlines cover both solo and group-level submissions and include both quantitative reporting templates (QRTs) and narrative reports under Pillar 3. In 2025, insurers must continue to comply with the frequency and format requirements laid out in the Solvency II Delegated Regulation and relevant national guidance. Below is an overview of the typical reporting calendar for 2025, based on standard expectations, with attention to both quarterly and annual obligations.
Quarterly QRT Deadlines (Solo and Group)
Quarterly QRTs are required from medium and large undertakings, based on size and risk-based thresholds. These reports focus on financial position, technical provisions, own funds, and capital requirements.
- Q1 2025 Reporting
Reference date: 31 March 2025
Submission deadline: Early to mid-May 2025 (typically 6–8 weeks post quarter-end) - Q2 2025 Reporting
Reference date: 30 June 2025
Submission deadline: Early to mid-August 2025 - Q3 2025 Reporting
Reference date: 30 September 2025
Submission deadline: Early to mid-November 2025
Note: Some national competent authorities (NCAs) may allow waivers or reduced content for certain firms, particularly for low-risk undertakings.
Annual QRT Deadlines (Solo and Group)
The annual QRT package is more extensive and includes templates not required quarterly, such as detailed technical provisions, asset lists, non-life claims development, and reinsurance arrangements.
- Annual Reporting for 2024 Year-End
Reference date: 31 December 2024
Submission deadline: Early to mid-April 2025 (16 weeks after year-end, varies slightly by country)
For insurance groups, the deadline may be extended slightly compared to solo undertakings, typically to 18–20 weeks after year-end. Groups also submit consolidated versions of many templates, along with scope of consolidation templates.
Solvency and Financial Condition Report (SFCR)
The SFCR is the public narrative report that complements the QRTs and provides insight into an insurer’s business, system of governance, risk profile, valuation, and capital management.
- Submission and Disclosure Deadline
Due date: Usually aligned with the annual QRT deadline (April 2025)
Publication: Must be made publicly available on the insurer’s website on or before submission to the supervisor
Insurers should ensure that the SFCR is available in both human-readable (PDF) and machine-readable (XBRL) formats, where required by local regulation.
Regular Supervisory Report (RSR)
The RSR is a private report submitted to the supervisor with more detailed narrative information. While required annually in many cases, its frequency may be adjusted based on supervisory judgment.
- Submission Deadline
Typically aligns with the SFCR/QRT deadlines (April 2025), unless otherwise agreed with the NCA
Ad-Hoc and Event-Driven Reporting
In addition to scheduled reports, insurers are also obligated to report material changes or breaches in solvency position outside the regular calendar. Events that trigger ad-hoc reporting include:
- Non-compliance with the SCR or MCR.
- Significant changes in risk profile.
- Material acquisition, merger, or restructuring.
- Issues arising during internal model approval or modification processes.
National Variations and Early Submission Windows
While EIOPA provides a general framework, each country’s NCA may set specific deadlines within allowable limits or require additional national templates. For example:
- In the UK, the PRA has retained Solvency II-style reporting with customized dates post-Brexit.
- In Ireland, the Central Bank (CBI) specifies portal cut-off times and blackout periods.
- In Germany, BaFin sets national deadlines with strict expectations for timeliness and data quality.
Insurers should consult local regulatory calendars and portals regularly to confirm final dates, taxonomy versions, and format requirements.
In summary, Solvency II reporting deadlines for 2025 follow a structured quarterly and annual pattern, with specific cut-offs depending on the scope of the entity and jurisdiction. Timely and accurate submission of both QRTs and narrative reports is critical for maintaining regulatory compliance and supervisory confidence. Firms should plan ahead, ensure systems and workflows are aligned with deadlines, and stay informed of any changes from their national supervisor.