Kooperativa pojišťovna, a.s., Vienna Insurance Group
Kooperativa pojišťovna, a.s., Vienna Insurance Group is an akciová společnost (joint-stock company) registered in the Czech Republic under identification number (IČO) 47116617 and recorded in the Commercial Register kept by the Municipal Court in Prague, file B 1897. The register shows the company as entered on 1 March 1993 and active, on data stated valid at 29 September 2026. Its registered office is Pobřežní 665/21, Karlín, 186 00 Prague 8.
The company is a composite insurer. Its registered scope of business is insurance activity under Section 3(1)(f) of Act No. 277/2009 Coll. on insurance, covering life classes I, II, III, VI, VII and IX and all non-life classes 1 to 18 of Annex 1 to that Act, together with reinsurance activity under Section 3(1)(l). Kooperativa pojišťovna, a.s., Vienna Insurance Group is supervised by the Czech National Bank, and its 2025 solvency and financial condition report states that the regulator had neither restricted nor suspended those activities. Its business covers motor third-party liability and own-damage cover, property and liability insurance for households and businesses, travel insurance, and life and accident cover led by the FLEXI range. It may write business elsewhere in the EU under the freedom to provide services but reports that it operates primarily in the Czech Republic.
In the audited 2025 statutory accounts filed in the Collection of Deeds on 13 April 2026, prepared under Czech accounting standards, the company reported gross written premiums of CZK 56.91 billion, 5.6% above 2024, split between CZK 39.73 billion non-life and CZK 17.19 billion life; a profit for the period of CZK 4.70 billion, against CZK 3.89 billion in 2024; and total net assets of CZK 100.31 billion. It reported 4,036 employees at 31 December 2025, an average of 4,006 full-time equivalents over the year, 2.48 million clients and 4.75 million policies, and a 23.3% share of the Czech insurance market on Czech Insurance Association figures. Its Solvency II ratio at that date was 210%, with eligible own funds of CZK 32,206 million against a solvency capital requirement of CZK 15,324 million.
Registered share capital is CZK 4,302,129,000, fully paid, in ordinary and preference registered book-entry shares whose transfer is restricted by the articles of association. Earlier registered names were Česká Kooperativa, družstevní pojišťovna, a.s. (1993), Česká Kooperativa pojišťovna a.s. (1998) and Kooperativa, pojišťovna, a.s. (1999); the present name was entered on 1 September 2007. A creditor’s insolvency petition noted on 4 November 2016 was dismissed with final effect and deleted from the register on 17 March 2017. The profile card above gives 17 February 1993 as the incorporation date and the legal form as “Join Stock Company”; the register records 1 March 1993 and akciová společnost.
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Shareholders
Shareholders of Kooperativa pojišťovna, a.s., Vienna Insurance Group
The Czech Commercial Register publishes shareholders of an akciová společnost only where a sole shareholder is recorded, and no such entry exists for this company, so the register itself discloses none. Disclosure comes instead from the company’s own audited filings. Note 1 to the 2025 financial statements, filed in the Collection of Deeds on 13 April 2026, names four shareholders at 31 December 2025 and gives both their share of registered capital and their share of voting rights; the two differ because part of the capital consists of preference shares carrying no vote.
| Shareholder | Share of registered capital | Share of voting rights |
|---|---|---|
| VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe (Austria, FN 75687f) | 95.84% | 91.68% |
| Česká spořitelna, a.s. (Czech Republic) | 1.59% | 3.19% |
| SVZD GmbH (Austria) | 1.44% | 2.88% |
| Svaz českých a moravských výrobních družstev, Prague | 1.13% | 2.25% |
The 2025 solvency and financial condition report states the same holding more precisely: VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe holds shares with an aggregate nominal value of 95.8415% of registered capital, representing 91.683% of voting rights, and is the only holder of a qualifying holding in the company. Kooperativa pojišťovna, a.s., Vienna Insurance Group is not itself listed on any exchange.
Ultimate beneficial ownership
No natural person is identified as a beneficial owner of Kooperativa pojišťovna, a.s., Vienna Insurance Group by any source reviewed. The ownership chain runs from the company to VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe, a listed Austrian insurer, and from there to Wiener Städtische Versicherungsverein – Vermögensverwaltung, which the company’s own 2025 reports describe as holding approximately 72% of VIG’s shares, the remainder being publicly traded. The Austrian Firmenbuch records Wiener Städtische Versicherungsverein – Vermögensverwaltung under FN 101530i as a Versicherungsverein auf Gegenseitigkeit, a mutual insurance association, which has no share capital and therefore no shareholder above it. Because the top figure is stated only as an approximation and the apex is a mutual, no effective indirect percentage through to a natural person has been calculated here.
Data availability
Partial. Shareholders and percentages for this company are available and dated, but they come from its audited annual report and solvency report rather than from the register, which for a Czech joint-stock company with more than one shareholder publishes no ownership data at all. The Czech beneficial-ownership register (evidence skutečných majitelů) was closed to the public by the Ministry of Justice on 17 December 2025 and now requires privileged or data-box access, so the registered beneficial-owner entry could not be read on the retrieval date. The stored Zavia shareholder record for this company is an empty jurisdiction stub carrying only explanatory text and the provider’s own identifier — a provider gap, not an absence of disclosure, since all four shareholders are published with percentages in the filings cited below.
Sources
- Sbírka listin (Collection of Deeds), Municipal Court in Prague, filing B 1897/SL173/MSPH — 2025 annual report, financial statements, report on relations and auditor’s report, filed 13 April 2026. https://or.justice.cz/ias/ui/vypis-sl-detail?dokument=90739849&subjektId=688217&spis=74605 Retrieved 29 September 2026.
- Kooperativa pojišťovna, a.s., Vienna Insurance Group, Solvency and Financial Condition Report 2025 (SFCR), reporting date 31 December 2025. https://www.koop.cz/file/edee/2026/04/SFCR-zprava-2025-def.pdf Retrieved 29 September 2026.
- Austrian Firmenbuch via evi.gv.at, Wiener Städtische Versicherungsverein – Vermögensverwaltung, FN 101530i. https://www.evi.gv.at/f/101530i Retrieved 29 September 2026.
- Evidence skutečných majitelů (Czech beneficial ownership register), public-access notice dated 17 December 2025. https://esm.justice.cz/ias/issm/rejstrik Retrieved 29 September 2026.
Officers
91
Directors and officers of Kooperativa pojišťovna, a.s., Vienna Insurance Group
The company has a dualistic governance structure. The Commercial Register records a statutory body, the představenstvo (board of directors), with six current members against a registered minimum of six; a dozorčí rada (supervisory board) with fourteen current members against a registered size of exactly fifteen, so one supervisory seat stood vacant on the retrieval date; and a registered prokura that currently has no holder, its 62 entries all being historical. Representation is joint: two members of the board of directors must act together, and any authority to act alone is expressly excluded.
Five of the six board members and thirteen of the fourteen supervisory board members took up membership on 1 January 2024, when both bodies were renewed. Current board members are Ing. Martin Diviš, MBA (předseda představenstva, chairman, office from 10 January 2024), Jiří Sýkora (místopředseda představenstva, vice-chairman, office from 10 January 2024), Mgr. Martin Laur, Mgr. Filip Král and Ing. Eva Poláchová (members from 1 January 2024) and Mag. Nicolas Mucherl (member from 1 July 2024). The supervisory board is chaired by Hartwig Löger (předseda dozorčí rady, office from 1 February 2024) with Ing. Vladimír Mráz as místopředseda (office from 1 February 2024).
The Czech Commercial Register states a citizenship field for each individual, and that is the only basis on which nationality is reported here. On the board of directors, five members are recorded as Czech citizens and one, Mag. Nicolas Mucherl, as an Austrian citizen. On the supervisory board, ten are recorded as Czech citizens, two as Austrian (Hartwig Löger and Dkfm. Karl Fink), one as German (Dr. Mag. Ralph Müller) and one, Mag. Gerhard Lahner, has no citizenship recorded.
Recent officer changes
- Dr. Mag. Ralph Müller was appointed a member of the supervisory board with membership arising on 1 October 2025; the entry was made in the register on 6 October 2025.
- Dr. Ing. Vratislav Kulhánek and JUDr. Hana Machačová ceased to be members of the supervisory board on 1 July 2025 and were removed from the register on the same date.
- Mag. Christoph Rath’s membership of the board of directors ended on 31 August 2024; the entry was deleted on 1 September 2024.
Data availability
Full. The Czech Commercial Register publishes current and historical officers for each body with the role held, the date membership arose, the date any office within the body arose, the registration and deletion dates, and a citizenship field — so nationality is disclosed here, unlike in most jurisdictions. It also publishes each individual’s full date of birth and residential address; neither is reproduced on this page. The stored Zavia officer feed for this company holds 93 rows and is wrong in several ways: it marks Dr. Ing. Vratislav Kulhánek as an active supervisory board member although his membership ended on 1 July 2025, omits JUDr. Hana Machačová’s 2024–2025 supervisory term and omits Dr. Mag. Ralph Müller altogether, duplicates several people (Ing. Martin Diviš appears twice as an active chairman), renders místopředseda dozorčí rady as “Vice-president Of The Supervisory Board”, and does not carry the prokura body at all.
Sources
- Commercial Register (Obchodní rejstřík), Municipal Court in Prague, file B 1897, current extract, data stated valid at 29 September 2026. https://or.justice.cz/ias/ui/rejstrik-firma.vysledky?subjektId=688217&typ=PLATNY Retrieved 29 September 2026.
- ARES (Ministry of Finance), commercial-register extract service for IČO 47116617, including historical entries and citizenship fields; register data updated 10 October 2025. https://ares.gov.cz/ekonomicke-subjekty-v-be/rest/ekonomicke-subjekty-vr/47116617 Retrieved 29 September 2026.
- Sbírka listin (Collection of Deeds), filing B 1897/SL173/MSPH — 2025 annual report naming the members of both bodies, filed 13 April 2026. https://or.justice.cz/ias/ui/vypis-sl-detail?dokument=90739849&subjektId=688217&spis=74605 Retrieved 29 September 2026.
Data-provider feed — rows as supplied to Zavia for Commercial Register (Obchodní rejstřík), including entries the profile above does not cover. These rows are not a verbatim copy of the register: they have been found to duplicate the same person under different spellings and to keep a status of Active after an appointment ended. Where they disagree with the profile above, the profile is the checked version.
Group Structure
Group structure of Kooperativa pojišťovna, a.s., Vienna Insurance Group
The company is not independent. The board’s report on relations between related parties under Section 82 of Act No. 90/2012 Coll., published in the audited 2025 annual report, states that Kooperativa pojišťovna, a.s., Vienna Insurance Group is a controlled entity and that its controlling entity is VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe of Schottenring 30, 1010 Vienna, registered in the Austrian commercial register under FN 75687 f. “Vienna Insurance Group” therefore forms part of the registered Czech company name and reflects a real ownership relationship, but the two are separate legal entities and VIG’s consolidated group figures are not figures of this company.
Above VIG AG, the company’s own 2025 reports identify Wiener Städtische Versicherungsverein – Vermögensverwaltung, an Austrian mutual insurance association registered under FN 101530i, as VIG’s principal shareholder with approximately 72% of its shares. Below the company, note II.2 to the audited 2025 accounts lists seventeen direct participations at 31 December 2025 with a combined carrying value of CZK 6.762 billion, all of them Czech-registered. Holdings below 50% are treated in the accounts as controlled entities by virtue of acting in concert with other VIG group companies.
Verified corporate relationships
| Entity | Country | Registration number | Relationship | Ownership | Status | Information date |
|---|---|---|---|---|---|---|
| VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe | Austria | FN 75687 f | Immediate and controlling parent | 95.84% of registered capital; 91.68% of voting rights | Registered | 31 Dec 2025 |
| Wiener Städtische Versicherungsverein – Vermögensverwaltung | Austria | FN 101530 i | Ultimate parent; principal shareholder of VIG AG | Approximately 72% of VIG AG | Registered | 2025 report |
| AB Modřice, a.s. | Czech Republic | 06689299 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| AIS Servis, s.r.o. | Czech Republic | 26264315 | Direct participation | 70% of share capital | Active | 31 Dec 2025 |
| Chrášťany komerční areál a.s. | Czech Republic | 14188872 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| CP Solutions a.s. | Czech Republic | 27819744 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| Driving Camp Autodrom Sosnová a.s. | Czech Republic | 25471244 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| GLOBAL ASSISTANCE a.s. | Czech Republic | 27181898 | Direct participation | 40% of share capital | Active | 31 Dec 2025 |
| Global Expert, s.r.o. | Czech Republic | 27472850 | Direct participation | 70% of share capital | Active | 31 Dec 2025 |
| Global Partner, a.s. | Czech Republic | 09744665 | Direct participation | 65% of share capital | Active | 31 Dec 2025 |
| HOTELY SRNÍ, a.s. | Czech Republic | 28666712 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| KAPITOL, a.s. | Czech Republic | 60751070 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| Main Point Karlín II., a.s. | Czech Republic | 06689515 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| Rezidence Opatov, s.r.o. | Czech Republic | 22338365 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| S – budovy, a.s. | Czech Republic | 01808036 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| SURPMO, a.s. | Czech Republic | 01807935 | Direct participation | 100% of share capital | Active | 31 Dec 2025 |
| VIG FUND, a.s. | Czech Republic | 24220809 | Direct participation | 11% of share capital | Active | 31 Dec 2025 |
| VIG ND, a.s. | Czech Republic | 24725960 | Direct participation | 88% of share capital | Active | 31 Dec 2025 |
| VIG RE zajišťovna, a.s. | Czech Republic | 28445589 | Direct participation | 10% of share capital | Active | 31 Dec 2025 |
Recent structural changes
- On 9 December 2025 the company signed a contract to buy the 30% holding of the other shareholder in KAPITOL, a.s. (IČO 60751070), taking its interest to 100%.
- With effect from 1 June 2025 Bydlení Opatov s.r.o. was dissolved by split-merger, its assets and obligations passing to DBČS Opatov, s.r.o. and Rezidence Opatov, s.r.o. in equal halves; Rezidence Opatov, s.r.o. is a 100% direct participation of the company at 31 December 2025.
- The Commercial Register records that with a merger record date of 1 January 2019 the whole assets of Pojišťovna České spořitelny, a.s., Vienna Insurance Group (IČO 47452820) passed to this company as the successor entity — a completed historical reorganisation, not a current relationship.
Data availability
Partial to full. The parent chain and every direct participation are confirmed in dated, audited filings with percentages, and each Czech entity in the table above was matched to its IČO in the ARES register; the Austrian entities were matched in the Firmenbuch. What is not available is a register-sourced ownership record for the company itself, because the Czech Commercial Register publishes shareholders of a joint-stock company only where there is a sole shareholder. The stored Zavia corporate tree understates the structure: it shows only SURPMO, a.s. beneath the company where the accounts show seventeen direct participations, it carries no ownership percentage on any node, and its text is damaged by stripped escape sequences (83 occurrences, including the company’s own name, which is stored as “Kooperativa pojiu0161u0165ovna”).
Sources
- Sbírka listin (Collection of Deeds), Municipal Court in Prague, filing B 1897/SL173/MSPH — 2025 annual report including the Section 82 report on relations and note II.2 on participations, filed 13 April 2026. https://or.justice.cz/ias/ui/vypis-sl-detail?dokument=90739849&subjektId=688217&spis=74605 Retrieved 29 September 2026.
- Commercial Register (Obchodní rejstřík), Municipal Court in Prague, file B 1897, current extract recording the 1 January 2019 merger, data stated valid at 29 September 2026. https://or.justice.cz/ias/ui/rejstrik-firma.vysledky?subjektId=688217&typ=PLATNY Retrieved 29 September 2026.
- ARES (Ministry of Finance) entity search, used to match each Czech entity in the table to its IČO. https://ares.gov.cz/ekonomicke-subjekty Retrieved 29 September 2026.
- Austrian Firmenbuch via evi.gv.at, VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe FN 75687 f and Wiener Städtische Versicherungsverein – Vermögensverwaltung FN 101530 i. https://www.evi.gv.at/f/75687f and https://www.evi.gv.at/f/101530i Retrieved 29 September 2026.
- Kooperativa pojišťovna, a.s., Vienna Insurance Group, Solvency and Financial Condition Report 2025, reporting date 31 December 2025. https://www.koop.cz/file/edee/2026/04/SFCR-zprava-2025-def.pdf Retrieved 29 September 2026.
Data-provider feed — rows as supplied to Zavia for Commercial Register (Obchodní rejstřík), including entries the profile above does not cover. These rows are not a verbatim copy of the register: they have been found to duplicate the same person under different spellings and to keep a status of Active after an appointment ended. Where they disagree with the profile above, the profile is the checked version.
Wiener Städtische Versicherungsverein Vermögensverwaltung
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Frequently Asked Questions
What does Kooperativa pojišťovna, a.s., Vienna Insurance Group do?
Kooperativa pojišťovna, a.s., Vienna Insurance Group (IČO 47116617) is a Czech composite insurer licensed for life insurance classes I, II, III, VI, VII and IX and all non-life classes 1 to 18 under Act No. 277/2009 Coll., together with reinsurance, and is supervised by the Czech National Bank. It reported a 23.3% share of the Czech insurance market for 2025.
Who owns Kooperativa pojišťovna, a.s., Vienna Insurance Group?
Four shareholders were disclosed at 31 December 2025 in the audited annual report: VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe with 95.84% of registered capital and 91.68% of voting rights, Česká spořitelna, a.s. with 1.59% and 3.19%, SVZD GmbH with 1.44% and 2.88%, and Svaz českých a moravských výrobních družstev with 1.13% and 2.25%. The Czech Commercial Register publishes no shareholder data for this company.
Who is Kooperativa pojišťovna, a.s., Vienna Insurance Group's UBO (Ultimate Beneficial Owner)?
No ultimate beneficial owner who is a natural person has been verified. The ownership chain runs to VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe and above it to Wiener Städtische Versicherungsverein – Vermögensverwaltung, an Austrian mutual insurance association that has no share capital and so no owner above it. The Czech beneficial-ownership register was closed to the public on 17 December 2025 and could not be read.
What is Kooperativa pojišťovna, a.s., Vienna Insurance Group's company registration number?
Kooperativa pojišťovna, a.s., Vienna Insurance Group's registration number is 47116617, filed with Commercial Register (Obchodní rejstřík) in Czechia. Its current status on the register is active.
Is Kooperativa pojišťovna, a.s., Vienna Insurance Group still an active company?
Kooperativa pojišťovna, a.s., Vienna Insurance Group's status on Commercial Register (Obchodní rejstřík) is listed as active.
When was Kooperativa pojišťovna, a.s., Vienna Insurance Group incorporated?
Kooperativa pojišťovna, a.s., Vienna Insurance Group was incorporated on 17 February 1993, according to Commercial Register (Obchodní rejstřík).
What is Kooperativa pojišťovna, a.s., Vienna Insurance Group's registered address?
The registered address on file for Kooperativa pojišťovna, a.s., Vienna Insurance Group is Praha 8, Czechia.
What legal structure is Kooperativa pojišťovna, a.s., Vienna Insurance Group registered as?
Kooperativa pojišťovna, a.s., Vienna Insurance Group is registered as a Join Stock Company in Czechia.
What is Kooperativa pojišťovna, a.s., Vienna Insurance Group's revenue?
For 2025, under Czech accounting standards, the company reported entity-level gross written premiums of CZK 56.91 billion (non-life CZK 39.73 billion, life CZK 17.19 billion), a profit for the period of CZK 4.70 billion and total net assets of CZK 100.31 billion. It reported 4,036 employees at 31 December 2025 and a Solvency II ratio of 210%.
Is Kooperativa pojišťovna, a.s., Vienna Insurance Group listed on a stock exchange?
The company itself is not listed on any stock exchange. Its parent, VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe, is listed in Vienna, Prague and Budapest, but that listing belongs to the parent and not to this company.
Who are the officers/directors of Kooperativa pojišťovna, a.s., Vienna Insurance Group?
The Commercial Register records a six-member board of directors (představenstvo) chaired by Ing. Martin Diviš and a supervisory board (dozorčí rada) of fourteen members chaired by Hartwig Löger, against a registered supervisory board size of fifteen. The registered prokura currently has no holder, and two board members must act jointly to bind the company.
Does Kooperativa pojišťovna, a.s., Vienna Insurance Group have a parent company or subsidiaries?
The company is a controlled entity of VIENNA INSURANCE GROUP AG Wiener Versicherung Gruppe (Austria, FN 75687 f), which holds 95.84% of its registered capital and 91.68% of its voting rights. At 31 December 2025 the company itself held seventeen direct participations in Czech companies with a combined carrying value of CZK 6.762 billion.
Can Zavia monitor changes to Kooperativa pojišťovna, a.s., Vienna Insurance Group's ownership over time?
This profile reflects a point-in-time snapshot from Commercial Register (Obchodní rejstřík). Zavia's monitoring API can track changes to Kooperativa pojišťovna, a.s., Vienna Insurance Group's registered shareholders, officers, and group structure going forward, flagging updates as they're filed rather than requiring a manual recheck.
Can I access Kooperativa pojišťovna, a.s., Vienna Insurance Group's data through an API?
Yes. Zavia's API connects directly to official government ownership registries across 195 countries and territories, including Czechia, so records like Kooperativa pojišťovna, a.s., Vienna Insurance Group's registration, shareholder, UBO, and group-structure data can be queried programmatically instead of viewed one page at a time.
Where does this company information come from, and how current is it?
This record is sourced directly from Commercial Register (Obchodní rejstřík) and was last synced on 15 August 2026.