Solvency II reporting deadlines for 2026 continue the established regulatory cycle, requiring insurance undertakings and groups to submit quantitative and narrative reports within strict timeframes. These reports are submitted to national competent authorities (NCAs) in accordance with the Solvency II Directive and EIOPA technical standards. Insurers must ensure they meet both quarterly and annual reporting obligations in the correct format, typically XBRL, while also adhering to country-specific submission processes. The 2026 reporting calendar will primarily cover reference data from the 2025 financial year and quarterly updates throughout 2026.
Annual QRT Deadlines (Reference Year: 2025)
The annual Quantitative Reporting Templates (QRTs) provide a comprehensive overview of an insurer’s solvency position, technical provisions, investment exposure, capital structure, and other key financial data.
- Solo Undertakings
Reference date: 31 December 2025
Submission deadline: Expected by 16–20 April 2026 (16 weeks after year-end) - Insurance Groups
Reference date: 31 December 2025
Submission deadline: Expected by 30 April–7 May 2026 (20 weeks after year-end)
Templates required include full balance sheet reporting, detailed technical provisions, list of assets, own funds, SCR breakdown, and MCR calculations.
Quarterly QRT Deadlines (Solo and Group)
Quarterly QRTs are required for insurers who exceed size or complexity thresholds. These provide regular updates on financial and solvency positions and are a core part of Pillar 3 compliance.
- Q1 2026
Reference date: 31 March 2026
Submission deadline: Expected by 15–22 May 2026 - Q2 2026
Reference date: 30 June 2026
Submission deadline: Expected by 14–21 August 2026 - Q3 2026
Reference date: 30 September 2026
Submission deadline: Expected by 13–20 November 2026 - Q4 2026
In most jurisdictions, Q4 is included as part of the annual reporting, due in April or May 2027. Some entities may still be required to submit simplified quarterly data depending on their regulatory classification.
Solvency and Financial Condition Report (SFCR)
The SFCR is the public narrative report summarizing the insurer’s business strategy, governance, risk profile, valuation methods, capital position, and overall solvency status.
- Solo SFCR Deadline
Expected publication and submission by 16–20 April 2026 - Group SFCR Deadline
Expected publication and submission by 30 April–7 May 2026
This report must be made publicly available on the company’s website and must align with the figures submitted in the annual QRTs.
Regular Supervisory Report (RSR)
The RSR is a confidential report submitted to the regulator with more granular and technical information than the SFCR. Its frequency is typically annual, but may be reduced if agreed with the supervisor.
- Solo and Group RSR Deadline
Typically submitted by April or May 2026, alongside the SFCR and annual QRTs
The RSR provides deeper insight into the governance framework, risk exposures, and strategic planning relevant to supervisory review.
XBRL Submissions and Taxonomy Considerations
All reports must be submitted in XBRL format using the taxonomy in force at the time—likely EIOPA 2.9.1 or later for the 2026 cycle. Firms must ensure:
- Correct application of the relevant taxonomy package.
- Internal validation against XBRL technical and business rules.
- Timely upload to national regulatory portals, such as those operated by the PRA (UK), CBI (Ireland), BaFin (Germany), or ACPR (France).
Ad-Hoc and Event-Driven Reporting
Beyond scheduled reports, insurers must notify regulators immediately in the event of:
- Breach of SCR or MCR.
- Material changes in business model or risk profile.
- Significant operational events, such as IT system failure or cyber incident.
- Submission or modification of an internal model.
Such notifications may trigger additional supervisory requests or temporary reporting requirements.
In summary, the Solvency II reporting deadlines in 2026 continue to require careful planning and coordination across actuarial, finance, compliance, and IT functions. By staying aligned with the annual and quarterly schedule, maintaining data accuracy, and keeping pace with taxonomy updates, insurers will be well-positioned to meet their Pillar 3 obligations in a timely and compliant manner.
National Variations and Early Submission Windows
While EIOPA sets the overarching framework for Solvency II reporting, each national competent authority (NCA) has the discretion to define specific submission windows, technical specifications, and supplementary requirements. As a result, reporting deadlines and expectations may vary slightly across jurisdictions. For instance, the UK’s Prudential Regulation Authority (PRA), operating under a post-Brexit regime, may issue a tailored reporting calendar and taxonomy. In Ireland, the Central Bank of Ireland (CBI) enforces strict portal submission deadlines via its ONR system, often including additional validations and data format requirements. Similarly, Germany’s BaFin and France’s ACPR may require additional national templates or enforce earlier submission cut-offs than the standard EIOPA timelines. Some NCAs also impose blackout windows for system maintenance or mandate dry-run submissions ahead of final deadlines. Therefore, firms must closely monitor national regulatory bulletins and technical guidance to ensure early preparedness and avoid late submissions or rejections due to non-compliance with local rules.