Diligence Software

Solvency II XBRL Reporting for European Insurers

Automate Solvency II Quantitative Reporting Templates with XBRL Express. QRTs prepared, validated, and submitted to EIOPA and national supervisors — quarterly, annual, solo and group.

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Solvency II Reporting Obligations for Insurers

Solvency II (Directive 2009/138/EC) requires insurance and reinsurance undertakings authorised in the EU to report their financial and risk position to national supervisory authorities via standardised Quantitative Reporting Templates (QRTs) — defined by EIOPA and submitted as XBRL files.

QRT submissions apply at both solo (individual entity) and group level. Groups with a participating insurance holding company within the EEA are subject to group reporting in addition to solo reporting for each regulated entity.

Annual solo QRT package

Covers balance sheet, capital requirements (SCR and MCR), technical provisions, investments, and own funds. Reference date 31 December; submission due within 20 weeks (14 weeks for major undertakings).

Quarterly solo QRT package

A reduced subset covering solvency position, investments, and technical provisions. Due within 5 weeks (major undertakings) or 8 weeks (others) of the reference date.

Annual group QRT package

Mirrors the solo structure but covers the consolidated group position. Group supervisors may require additional group-specific templates. French groups supervised by ACPR submit group QRTs via ONEGATE.

ACPR-specific Solvency II reporting

French insurers supervised by ACPR submit all Solvency II QRTs through ONEGATE. ACPR applies additional national validation rules on top of the EIOPA taxonomy. Institutions must hold valid ONEGATE certificates and manage user access rights for all authorised submitters.

EIOPA XBRL Taxonomy: What You Need to Know

Solvency II QRTs must be submitted as XBRL instance documents conforming to the EIOPA XBRL taxonomy. EIOPA releases taxonomy updates annually; each version introduces modified data points, updated validation rules, and changes to table structures.

Automatic taxonomy updates

XBRL Express includes every EIOPA taxonomy version automatically. When EIOPA releases a new version, Diligence integrates it and all existing templates are validated against the new version — institutions do not need to manually manage taxonomy files or rebuild templates.

DPM validation before submission

XBRL Express applies the full EIOPA DPM validation ruleset plus ACPR national rules before the file is generated. Each validation error is identified by template, row, column, and rule ID with plain-language correction guidance. Common issues: incorrect measurement units, missing mandatory data points, and cross-template consistency failures.

XBRL-CSV for group reporting

Some group QRT templates use XBRL-CSV format. XBRL Express handles both XBRL XML and XBRL-CSV within the same workflow.

Diligence Platform Capabilities for Solvency II

Complete QRT template library

XBRL Express includes the full library of Solvency II QRT templates for solo and group reporting — S.01 through S.99 series plus ACPR national supplements — maintained and updated with each EIOPA release.

Multi-entity and group management

For insurance groups filing both solo and group QRTs, XBRL Express manages all entities and consolidation perimeters in a single platform. Group coordinators have visibility across all solo filings with consolidated status tracking per period.

Audit trail and workflow

Every report version is stored with timestamp, user, and workflow status. Supervisory examinations may require proof that a specific filing was approved by designated personnel before submission — XBRL Express provides this record automatically.

Native ONEGATE connectivity

French insurers submit Solvency II QRTs via ACPR's ONEGATE portal. Diligence connects directly to ONEGATE — status updates, rejection messages, and acknowledgements appear in real time within XBRL Express.

Why Insurers Choose Diligence for Solvency II

Taxonomy updates included — no manual intervention

When EIOPA publishes a new taxonomy version, Diligence updates the platform automatically. QRT templates migrate to the new version without manual rebuilding — the most common failure mode for institutions using spreadsheets or generic XBRL tools.

Specialist team, not a generic platform module

Solvency II QRT reporting is a core use case for Diligence — not an add-on module. When EIOPA modifies a table structure or ACPR adds a national validation rule, the team that builds the update is the same team that answers your support call.

200+ European institutions

Diligence is used by insurers, reinsurers, and insurance groups across France, Belgium, Luxembourg, and six other European countries — tested across every major EIOPA taxonomy version and every ACPR submission cycle since Solvency II came into effect.

Frequently Asked Questions: Solvency II Reporting

What is the difference between solo and group Solvency II reporting?

Solo reporting covers each individual regulated entity. Group reporting covers the consolidated insurance group. Both use QRT templates but the group package includes consolidation-specific templates, with separate deadlines for each.

How often does EIOPA update the Solvency II XBRL taxonomy?

EIOPA typically releases one major taxonomy update per year, published in Q4 for activation the following year. Diligence integrates all versions automatically — no manual taxonomy management required.

Can Diligence handle both Solvency II and banking reporting (COREP/FINREP)?

Yes. Financial conglomerates subject to both insurance and banking supervision can manage all regulatory reporting — Solvency II QRTs, COREP, and FINREP — within a single XBRL Express platform.

How does Diligence handle ACPR's national validation rules for Solvency II?

ACPR applies French national rules on top of EIOPA's standard taxonomy rules. XBRL Express includes the complete ACPR national ruleset in pre-submission validation, identifying national-rule errors with the same detail as EIOPA-level errors.

Automate your Solvency II QRT submissions

Diligence handles every EIOPA taxonomy update automatically. QRTs prepared, validated, and submitted to ONEGATE — no spreadsheets, no manual XBRL tools.

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