| Estados Financieros Comparados |
Actualizado al 16 de mayo de 2025 |
|
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT
|
Seguros/INSURANCE
|
|
CIFRAS EXPRESADAS EN MILES DE SOLES
|
|
Empresa/Cuenta
|
Secrex
|
Vivir Seguros
|
|
|
|
|
CIIU
|
66036
|
66010
|
|
|
|
|
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION
|
31/03/2025
|
31/12/2024
|
31/03/2025
|
31/12/2024
|
|
|
|
|
|
|
|
Efectivo y Equivalente de Efectivo / CASH AND DEPOSITS
|
663,985
|
12,035
|
98,441
|
50,927
|
|
|
|
|
|
|
|
Inversiones financieras (neto) / Financial Investments (Net)
|
323,903
|
81,382
|
87,007
|
63,216
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Operaciones de Seguros (neto) / Accounts receivable from insurance transact.(net)
|
34,213
|
35,637
|
80,802
|
47,926
|
|
|
|
|
|
|
|
Menos: Cargas Aplicadas Sobre Polizas / Less: Charges applied to policies
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Operaciones Sujetas a Riesgo Crediticio (neto) / Accounts receivable from transactions subject to credit risk
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Cobrar a Reaseguradores y Coaseguradores (neto) / Accounts receivable from reinsurers and coinsurers (net)
|
10,933
|
17,836
|
4,107
|
3,657
|
|
|
|
|
|
|
|
Activo por Reservas Técnicas a Cargo de Reaseguradoras
|
36,358
|
35,242
|
6,639
|
7,347
|
|
|
|
|
|
|
|
Cuentas por Cobrar Diversas (neto) / Sundry accounts receivable (net)
|
39,774
|
31,740
|
987
|
980
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Productos Financieros Derivados para Negociación / Accounts receivable from financial derivatives for trading purposes
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Cobrar Productos Financieros Derivados con Fines de Cobertura / Accounts receivable from financial derivatives for hedging purposes
|
0
|
0
|
2,166
|
1,446
|
|
|
|
|
|
|
|
Cuentas por Cobrar por Macro-coberturas / Accounts receivable from macro-hedging
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Gastos Contrados por Adelantado / Prepaid expenses
|
987
|
532
|
7
|
8
|
|
|
|
|
|
|
|
TOTAL ACTIVO CORRIENTE / TOTAL CURRENT ASSETS
|
1,110,153
|
214,404
|
280,156
|
175,507
|
|
|
|
|
|
|
|
Activos por Reservas Técnicas a cargo de reaseguradores
|
23,615
|
22,385
|
0
|
0
|
|
|
|
|
|
|
|
Inversiones Financieras (neto) / Financial Investments (Net)
|
10,014
|
10,653
|
986,668
|
945,694
|
|
|
|
|
|
|
|
Inversiones en Inmuebles (neto) / Investments in immovable property (net)
|
0
|
0
|
25,310
|
25,366
|
|
|
|
|
|
|
|
Inmuebles, Muebles y Equipo (neto) / Property, furniture and equipment (net)
|
832
|
875
|
1,817
|
1,807
|
|
|
|
|
|
|
|
Activos Intangibles (Neto) / Intangible assets (net)
|
0
|
0
|
1,979
|
2,015
|
|
|
|
|
|
|
|
Activo por Impuesto a las ganancias / Deferred income tax assets
|
12,619
|
12,865
|
0
|
0
|
|
|
|
|
|
|
|
Activo no Corrientes Mantenidos para la Venta (neto)
|
2,798
|
2,798
|
0
|
0
|
|
|
|
|
|
|
|
Otros Activos / Other assets
|
1,409
|
1,438
|
17,154
|
3,383
|
|
|
|
|
|
|
|
TOTAL ACTIVO / TOTAL ASSETS
|
1,161,440
|
265,418
|
1,313,084
|
1,153,772
|
|
|
|
|
|
|
|
Tributos, Participaciones y Ctas. por Pagar Diversas / Taxes, profit sharing and other accounts payable
|
928,683
|
22,648
|
11,050
|
5,265
|
|
|
|
|
|
|
|
Cuentas por Pagar por Productos Financieros Derivados para Negociación / Accounts payable due to financial derivatives for trading purposes
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar por Productos Financieros Derivados con Fines de Cobertura / Accounts payable due to financial derivatives for hedging purposes
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar por Macro-Coberturas / Accounts payable due to macro-hedging
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Obligaciones Financieras / Financial liabilities
|
2,215
|
634
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar a Intermediarios, Comercializadores y Auxiliares / Accounts payable to brokers and assistants
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar a Asegurados / Accounts payable to insured
|
652
|
1,090
|
0
|
0
|
|
|
|
|
|
|
|
Cuentas por Pagar a Reaseguradores y Coaseguradores (neto) / Accounts payable to reinsurers and coinsurers (net)
|
58,784
|
51,208
|
10,311
|
10,488
|
|
|
|
|
|
|
|
Reservas Técnicas por Siniestros / Technical reserves for claims
|
46,912
|
45,705
|
203,930
|
129,114
|
|
|
|
|
|
|
|
TOTAL PASIVO CORRIENTE / TOTAL CURRENT LIABILITIES
|
1,037,246
|
121,285
|
225,291
|
144,867
|
|
|
|
|
|
|
|
Obligaciones Financieras / Financial liabilities
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Reservas Técnicas por Siniestros / Technical reserves for claims
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Reservas Técnicas por Primas / Technical reserves for premiums
|
40,980
|
39,249
|
882,680
|
825,875
|
|
|
|
|
|
|
|
Otros Pasivos (neto) / Other provisions (net)
|
2,324
|
2,324
|
3,785
|
2,467
|
|
|
|
|
|
|
|
Pasivos Diferidos / Deferred profits
|
560
|
473
|
1,044
|
1,091
|
|
|
|
|
|
|
|
Pasivo por Impuesto a las Ganancias Diferido / Deferred income tax liabilities
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
TOTAL PASIVO / TOTAL LIABILITIES
|
1,081,110
|
163,331
|
1,112,800
|
974,300
|
|
|
|
|
|
|
|
Capital Social / Capital stock
|
36,019
|
32,744
|
165,698
|
163,822
|
|
|
|
|
|
|
|
Capital Adicional / Additional capital
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Reservas / Reserves
|
12,607
|
11,461
|
2,341
|
1,291
|
|
|
|
|
|
|
|
Acciones en Tesorería / Treasury shares
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Instrumentos Financieros Compuestos
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Ajustes al patrimonio / Equity adjustments
|
58
|
-20
|
2,292
|
3,856
|
|
|
|
|
|
|
|
Resultados Acumulados / Retained earnings
|
17,089
|
9,379
|
9,120
|
-85,124
|
|
|
|
|
|
|
|
Resultado del Ejercicio / Period's results
|
14,557
|
48,523
|
20,833
|
95,627
|
|
|
|
|
|
|
|
TOTAL PATRIMONIO / TOTAL EQUITY
|
80,330
|
102,087
|
200,284
|
179,472
|
|
|
|
|
|
|
|
TOTAL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND EQUITY
|
1,161,440
|
265,418
|
1,313,084
|
1,153,772
|
|
|
|
|
|
|
|
ESTADO DE RESULTADOS / INCOME STATEMENT
|
31/03/2025
|
31/03/2024
|
31/03/2025
|
31/03/2024
|
|
|
|
|
|
|
|
Primas de Seguros (Neto) / Insurance premiums (net)
|
46,783
|
42,279
|
188,066
|
108,457
|
|
|
|
|
|
|
|
Reaseguro Aceptado (Neto) / Accepted reinsurance (net)
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Ajuste de Reservas Técnicas de Primas de Seg. y Reaseg. Aceptado / Adjustments to technical reserves for accepted insurance and re-insurance premiums
|
-2,003
|
-3,435
|
-60,127
|
-40,857
|
|
|
|
|
|
|
|
TOTAL PRIMAS NETAS DEL EJERCICIO / TOTAL NET PREMIUMS FOR FISCAL YEAR
|
44,780
|
38,844
|
127,939
|
67,600
|
|
|
|
|
|
|
|
Primas Cedidas Netas / Ceded premiums (net)
|
-22,997
|
-22,450
|
-273
|
-130
|
|
|
|
|
|
|
|
Ajuste de Reservas Técnicas de Primas Cedidas / Adjustment to technical reserves for ceded premiums
|
1,414
|
2,273
|
0
|
0
|
|
|
|
|
|
|
|
TOTAL PRIMAS CEDIDAS NETAS DEL EJERCICIO / TOTAL CEDED PREMIUMS
|
-21,583
|
-20,177
|
-273
|
-130
|
|
|
|
|
|
|
|
PRIMAS GANADAS NETAS / NET PREMIUMS EARNED
|
23,197
|
18,667
|
127,666
|
67,470
|
|
|
|
|
|
|
|
Siniestros de primas de seguros (netos) / Insurance premium claims (net)
|
-14,448
|
-10,055
|
-106,749
|
-48,793
|
|
|
|
|
|
|
|
Siniestros de reaseguros aceptados (netos) / Accepted reinsurance claims (net)
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Siniestros de primas cedidas (netos) / Ceded premiums claims
|
11,213
|
7,755
|
-134
|
-255
|
|
|
|
|
|
|
|
Recuperos y Salvamentos / Recovery and salvage
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
SINIESTROS INCURRIDOS (NETOS) / CLAIMS INCURRED (NET)
|
-3,235
|
-2,300
|
-106,883
|
-49,048
|
|
|
|
|
|
|
|
Ajuste de Reservas para Riesgos Catastróficos / Adjustment to reserves for catastrophe risk
|
0
|
0
|
-3,927
|
-1,387
|
|
|
|
|
|
|
|
RESULTADO TECNICO BRUTO / GROSS TECHNICAL PROFTIS
|
19,962
|
16,367
|
16,856
|
17,035
|
|
|
|
|
|
|
|
Comisiones sobre Primas de Seguros (netas) / Commissions on insurance premiums (net)
|
-3,195
|
-2,850
|
-314
|
-1,233
|
|
|
|
|
|
|
|
Comisiones sobre Reaseguro Aceptado (netas) / Commissions on accepted reinsurance (net)
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Comisiones de Primas Cedidas (netas) / Commissions of ceded premiums (net)
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
COMISIONES (NETAS) / FEES (NET)
|
-3,195
|
-2,850
|
-314
|
-1,233
|
|
|
|
|
|
|
|
Ingresos Técnicos Diversos / Sundry technical income
|
7,511
|
3,678
|
237
|
300
|
|
|
|
|
|
|
|
Gastos Técnicos Diversos / Sundry technical expenses
|
-9,784
|
-7,356
|
-2,613
|
-1,117
|
|
|
|
|
|
|
|
Ingresos (Egresos) Diversos, neto / Sundry income (expenses), net
|
0
|
569
|
0
|
0
|
|
|
|
|
|
|
|
RESULTADO TÉCNICO / TECHNICAL PROFITS
|
14,494
|
10,408
|
14,166
|
14,985
|
|
|
|
|
|
|
|
Ingresos de Inversiones y Otros Ingresos Financieros / Investment income and other financial income
|
12,630
|
14,482
|
18,761
|
13,168
|
|
|
|
|
|
|
|
Gastos de inversiones y financieros. / Investment expenses and other financial expenses
|
-351
|
-5
|
-3,652
|
-345
|
|
|
|
|
|
|
|
Provisiones para activos no corrientes mantenidos para la venta / Provisions for non-current assets held for sale
|
0
|
0
|
0
|
0
|
|
|
|
|
|
|
|
Diferencia de Cambio (neto) / Exchange rate difference (net)
|
-1,087
|
-32
|
-1,189
|
41
|
|
|
|
|
|
|
|
RESULTADO DE INVERSIONES / INVESTMENTS PROFITS
|
11,192
|
14,445
|
13,920
|
12,864
|
|
|
|
|
|
|
|
Gastos de Administración (Neto de Ingresos por Servicios y Otros) / Administrative expenses (net of service income and others)
|
-3,980
|
-6,724
|
-7,253
|
-7,127
|
|
|
|
|
|
|
|
RESULTADO DE OPERACIÓN ANTES DE IMPUESTO / RESULT BEFORE INCOME TAX
|
21,706
|
18,129
|
20,833
|
20,722
|
|
|
|
|
|
|
|
Impuesto a las Ganancias / Income Tax
|
-7,149
|
-6,227
|
0
|
0
|
|
|
|
|
|
|
|
UTILIDAD (PÉRDIDA) NETA DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
14,557
|
11,902
|
20,833
|
20,722
|
|
|
|
|
|
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/03/2025
|
31/03/2025
|
|
|
|
|
Liquidez / Liquid Ratio
|
1.07
|
|
1.24
|
|
|
|
|
|
Liquidez Efectiva
|
0.64
|
|
0.44
|
|
|
|
|
|
Siniestralidad Total
|
0.31
|
|
0.57
|
|
|
|
|
|
Apalancamiento
|
0.93
|
|
0.85
|
|
|
|
|
|
Solvencia / Solvency
|
0.07
|
|
0.18
|
|
|
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
1.25
|
|
1.59
|
|
|
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
18.12
|
|
10.40
|
|
|
|
|
|
* Estados Financieros expresados en miles de US$
|
|
|
|