Annual Reports

The Annual Report is a complete overview of the performance of Atradius N.V. in a year. It includes performance and strategy, full year accounts and additional financial information.

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Atradius Annual Report 2014 – Helping our customers grow








In 2014 we once again achieved robust results, as reflected in the strong credit ratings assigned to the Atradius Group by A.M. Best (A – Excellent, stable outlook) and Moody’s (A3, stable outlook). Total revenue increased by 3.3% (3.6% at constant foreign exchange rates), increasing in Western Europe and showing good growth in new markets. Through effective risk management we improved our claims ratio to 40.7% despite the continuing challenging risk environment, while at the same time our risk acceptance remained high. The result for the year was EUR 161.2 million: an improvement of 19.8% on 2013 with a major contribution from our Iberian region.


By helping our customers grow, we grow too: not only in terms of the volume of business that we insure but also in the way that we progress as an organisation and in the range of products we offer.


The year saw many initiatives aimed at supporting our customers’ growth. New products were designed to attract small and medium sized enterprises while, at the other end of the scale, new ‘top-up’ solutions devised with leading reinsurers help our customers obtain strategically important cover. A new service – Atradius Insights – gives customers an even greater wealth of management information, helping them actively manage their risk portfolio and easily identify opportunities for profitable growth.


We continue to expand geographically with new offices in Thailand and Indonesia, a licence in Russia and increased capabilities in Latin America and Africa.


2014 was a milestone for both Atradius and our parent company Grupo Catalana Occidente S.A. (GCO): marking ten years since the launch of the Atradius name and the 150th anniversary of GCO. To celebrate both landmarks we have aligned the Atradius brand with our parent, with a new logo and visual identity.

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Our Management and Supervisory Boards drive our business, guided by the interests of our stakeholders and the needs of our customers.


The statements made herein are provided solely for general informational purposes and should not be relied upon for any purpose. Please refer to the actual policy or the relevant product or services agreement for the governing terms. Nothing herein should be construed to create any right, obligation, advice or responsibility on the part of Atradius, including any obligation to conduct due diligence of buyers or on your behalf. If Atradius does conduct due diligence on any buyer it is for its own underwriting purposes and not for the benefit of the insured or any other person. Additionally, in no event shall Atradius and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the statements made information herein.