The company Cesce has presented its results for the 2025 financial year, achieving a net profit of 71,6 million euros. This milestone reflects the historic growth of the insurance sector. State Account and the push of Latinoaméricaguaranteeing business internationalization in a complex global environment.
Historical record and maximum financial solvency
During the recent Junta General de Accionistas celebrated in MadridThe entity confirmed that it has recorded 17 consecutive years of positive results. Grupo Cesce It posted a consolidated profit of €92,7 million, a significant increase of 33,8% compared to the previous year. Its solvency ratio, at 287%, solidifies the firm's position as the strongest insurer among major European companies in the credit and surety sector.
El CEO de Cesce, Pablo de Ramón-LacaHe highlighted that 2025 was a year of growth, transformation, and consolidation, maintaining a loss ratio of 38%, two points lower than the previous year. Activity linked to the public sector doubled its recent figures and marked a milestone in support for the external sector of España.
| Financial Indicator (2025) | Figure / Evolution |
|---|---|
| Net profit of Cesce SA | 71,6 billion euros (+21,2%) |
| Consolidated profit of the Cesce Group | 92,7 billion euros (+33,8%) |
| net worth | 664 billion euros (+16,29%) |
| Solvency ratio | 287 % |
| Insurance issued (State Account) | 6.300 millones de euros |
| Supported transactions (Contractual value) | 24.500 billion euros (+45%) |
The strategic engine of Latin America and its subsidiaries
The business by Own account It maintained a stable performance, with premiums issued totaling €181 million, offsetting market price pressures. The region of Latinoaméricawhich, coinciding with its 25th anniversary of expansion in the area, recorded a record profit of €15,9 million. The operations in Iberoamérica They surpassed the 100 million mark, reaching 103 million euros in premiums issued and serving more than 13.000 clients.
The business continued its sustained expansion in highly competitive markets. The countries that drove this international profitability in the current portfolio (which grew by 6%) are:
- Perú
- México
- Chile
- Colombia
- Brasil
For its part, the subsidiary INFORMA D&B It once again broke its records in the national market, reporting remarkable revenues and leading B2B information through the integration of artificial intelligence for its 4,4 million users.
| Subsidiary / Division | Income or Premiums | Net profit |
|---|---|---|
| Subsidiaries in Latin America | 103 millones de euros | 15,9 millones de euros |
| INFORM D&B | 73,7 millones de euros | 10,9 millones de euros |
Sustainability and the new "Innovate to Grow" plan
In the ESG sphere, sustainable projects already represent 41% of the total portfolio. Green Investment Policy It stood out with 17 transactions worth €1.773 billion, a remarkable jump of 178%. To build on these achievements, Cesce The implementation of its Strategic Plan 2026-2029.
This new operational phase focuses on the fabric of Spanish small and medium-sized enterprises, pursuing the following goals:
- Reach a total volume of 15.000 SME clients.
- To directly advise 6.000 SMEs each year.
- Accelerate digital transformation and the intensive use of artificial intelligence.
- Strengthening sustainability as a central factor of competitiveness.
Key points and frequently asked questions about Cesce results
How much did Cesce's profit grow in the last fiscal year?
The parent company's net profit reached 71,6 million euros (up 21,2%), while the group's consolidated profit stood at 92,7 million euros, reflecting an increase of 33,8%.
What role does the State Account play in these accounts?
It has been fundamental. It achieved a historic record by doubling its previous figures, issuing €6.300 billion in insurance and supporting investment operations with a contractual value of €24.500 billion.
What are the objectives of the 2026-2029 Strategic Plan?
The plan, under the motto "Innovate to grow", seeks to consolidate the insurer as the indispensable partner for the corporate fabric, setting the goal of advising 6.000 SMEs annually and incorporating advanced technological capabilities.
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