Assets
| Type | Time | Amount | Unit |
|---|
Revenue
| Type | Start date | End date | Amount | Unit |
|---|
XML
See the xml submitted here:
XML: INVALID
Separator
The full data:
<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<xbrli:xbrl xmlns:xbrli="http://www.xbrl.org/2003/instance"
xmlns="http://www.w3.org/1999/xhtml"
xmlns:arr="http://xbrl.dcca.dk/arr"
xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12"
xmlns:cmn="http://xbrl.dcca.dk/cmn"
xmlns:sob="http://xbrl.dcca.dk/sob"
xmlns:link="http://www.xbrl.org/2003/linkbase"
xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
xmlns:ix="http://www.xbrl.org/2013/inlineXBRL"
xmlns:mrv="http://xbrl.dcca.dk/mrv"
xmlns:fsa="http://xbrl.dcca.dk/fsa"
xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
xmlns:gsd="http://xbrl.dcca.dk/gsd"
xmlns:xlink="http://www.w3.org/1999/xlink"
xml:lang="en">
<link:schemaRef xlink:href="http://archprod.service.eogs.dk/taxonomy/20241001/entryDanishGAAPBalanceSheetAccountByCurrentAndLongTermFormIncomeStatementByFunctionIncludingManagementsReviewStatisticsAndTax20241001.xsd"
xlink:type="simple"/>
<xbrli:context id="ctx-1">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
</xbrli:context>
<xbrli:context id="ctx-21">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:typedMember dimension="cmn:IdentificationOfMemberOfExecutiveBoardDimension">
<cmn:memberOfBoardIdentifier>1</cmn:memberOfBoardIdentifier>
</xbrldi:typedMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-24">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:typedMember dimension="cmn:IdentificationOfMemberOfSupervisoryBoardDimension">
<cmn:memberOfBoardIdentifier>1</cmn:memberOfBoardIdentifier>
</xbrldi:typedMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-22">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:typedMember dimension="cmn:IdentificationOfMemberOfSupervisoryBoardDimension">
<cmn:memberOfBoardIdentifier>2</cmn:memberOfBoardIdentifier>
</xbrldi:typedMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-23">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:typedMember dimension="cmn:IdentificationOfMemberOfSupervisoryBoardDimension">
<cmn:memberOfBoardIdentifier>3</cmn:memberOfBoardIdentifier>
</xbrldi:typedMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-2">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:typedMember dimension="cmn:IdentificationOfAuditorDimension">
<cmn:auditorIdentifier>1</cmn:auditorIdentifier>
</xbrldi:typedMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-3">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:typedMember dimension="cmn:IdentificationOfAuditorDimension">
<cmn:auditorIdentifier>2</cmn:auditorIdentifier>
</xbrldi:typedMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-4">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2024-01-01</xbrli:startDate>
<xbrli:endDate>2024-12-31</xbrli:endDate>
</xbrli:period>
</xbrli:context>
<xbrli:context id="ctx-5">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2025-12-31</xbrli:instant>
</xbrli:period>
</xbrli:context>
<xbrli:context id="ctx-6">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2024-12-31</xbrli:instant>
</xbrli:period>
</xbrli:context>
<xbrli:context id="ctx-7">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2024-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ContributedCapitalMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-9">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2024-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:RetainedEarningsMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-12">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2024-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ProposedDividendRecognisedInEquityMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-10">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:RetainedEarningsMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-13">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2025-01-01</xbrli:startDate>
<xbrli:endDate>2025-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ProposedDividendRecognisedInEquityMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-8">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2025-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ContributedCapitalMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-11">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2025-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:RetainedEarningsMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-14">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2025-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ProposedDividendRecognisedInEquityMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-15">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2023-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ContributedCapitalMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-16">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2023-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:RetainedEarningsMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-18">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2023-12-31</xbrli:instant>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ProposedDividendRecognisedInEquityMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-20">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:instant>2023-12-31</xbrli:instant>
</xbrli:period>
</xbrli:context>
<xbrli:context id="ctx-17">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2024-01-01</xbrli:startDate>
<xbrli:endDate>2024-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:RetainedEarningsMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:context id="ctx-19">
<xbrli:entity>
<xbrli:identifier scheme="http://www.dcca.dk/cvr">78040017</xbrli:identifier>
</xbrli:entity>
<xbrli:period>
<xbrli:startDate>2024-01-01</xbrli:startDate>
<xbrli:endDate>2024-12-31</xbrli:endDate>
</xbrli:period>
<xbrli:scenario>
<xbrldi:explicitMember dimension="fsa:ClassesOfEquityDimension">fsa:ProposedDividendRecognisedInEquityMember</xbrldi:explicitMember>
</xbrli:scenario>
</xbrli:context>
<xbrli:unit id="dkk">
<xbrli:measure>iso4217:DKK</xbrli:measure>
</xbrli:unit>
<gsd:IdentificationNumberCvrOfReportingEntity contextRef="ctx-1" id="pp-value-1">78040017</gsd:IdentificationNumberCvrOfReportingEntity>
<gsd:AddressOfReportingEntityStreetName contextRef="ctx-1" id="pp-value-2-1" xml:lang="en">Borupvang </gsd:AddressOfReportingEntityStreetName>
<gsd:AddressOfReportingEntityStreetBuildingIdentifier contextRef="ctx-1" id="pp-value-3" xml:lang="en">4 </gsd:AddressOfReportingEntityStreetBuildingIdentifier>
<gsd:AddressOfReportingEntityPostCodeIdentifier contextRef="ctx-1" id="pp-value-4-1" xml:lang="en">2750 B</gsd:AddressOfReportingEntityPostCodeIdentifier>
<gsd:AddressOfReportingEntityDistrictName contextRef="ctx-1" id="pp-value-5-1" xml:lang="en">Ballerup </gsd:AddressOfReportingEntityDistrictName>
<mrv:SustainabilityReport contextRef="ctx-1" id="pp-value-7-1" xml:lang="en">/Redegørelse for mÃ¥ltal og politikker vedrørende det underrepræsenterede køn Sustainability statement Please refer to Sampo plc, Fabianinkatu 21, 00130 Helsinki, Finland for Financial Statements and Board of Directorsâ Report, including Sustainability Statement, which is available here. Topdanmark A/S is exempted from the provisions of section 99a subsection 1-6 of the Danish Financial Statements Act. </mrv:SustainabilityReport>
<mrv:StatementOfTargetFiguresAndPoliciesForTheUnderrepresentedGender contextRef="ctx-1" id="pp-value-8-1" xml:lang="en">Target and Policy for the Underrepresented Gender This section constitutes the Companyâs statutory report on the underrepresented gender in accordance with Section 99 b of the Danish Financial Statements Act. The Board of Directors of Topdanmark A/S is committed to promoting diversity and most recently adopted, on 9 February 2026, a policy aimed at increasing the proportion of the underrepresented gender on the Board of Directors. The policy is applicable at the time of approval of the Annual Report for 2025 and is therefore included in this report. The policy entails an annual follow-up on developments in the gender composition of the Board of Directors. Targets have been established for the proportion of general meeting-elected members of the Board belonging to the underrepresented gender. The Companyâs target is that at least 1 out of 3 general meeting-elected board members, corresponding to 33%, shall belong to the underrepresented gender no later than the end of 2029. The time horizon is based on the new board composition established in 2025 following the delisting in 2024 and the sale of Topdanmark A/S to If P&C Holding Ltd. (publ), as well as the subsequent sale of all subsidiaries by Topdanmark A/S to If P&C Holding Ltd. (publ) in 2024. The previous policy ceased to apply in connection with the new board composition in 2025. The Board of Directors of Topdanmark A/S consists of three general meeting-elected members, all of whom are men. The Company therefore does not meet the established target, which is expected to be achieved by the end of 2029 in accordance with the defined time horizon. In future nominations to the general meeting, the Board of Directors will work to increase the proportion of the underrepresented gender. No targets have been set for the proportion of the underrepresented gender at the Companyâs other management levels, nor has a policy been prepared for such levels, as Topdanmark A/S employed fewer than 50 employees (and had 0 employees in other management layers) in the 2025 financial year. The 5-year comparison table below includes information for the financial years 2025, 2024 and 2023. In the following two financial years, the Company will continue to supplement the overview with information for the relevant financial years. 2023 2024 2025 2026 2027 Board of Directors Total number of 9 9 3 members Total number of general 6 6 3 meeting-elected members Underrepresented 33 AGM 33 0 gender (%) EGM October 17 Target (%) 33 33 33 Year for achieving target 2025 2025 2029 Other management levels Total number of See See management 0 employees management report 2024 report 2023 </mrv:StatementOfTargetFiguresAndPoliciesForTheUnderrepresentedGender>
<mrv:ManagementsReview contextRef="ctx-1" id="pp-value-6-1" xml:lang="en">Financial highlights(DKKm) 2025 2024 2023 2022 2021Income statementAdministrative expenses -2 -184 -95 -50 -52Financial income and expenses 23 30,964 1,120 2,208 2,080Profit before tax 20 30,779 1,025 2,158 2,028Profit for the period 18 30,770 1,033 2,168 2,039Balance sheetTotal balance 542 577 6,826 6,936 7,955Shareholders' equity 398 380 5,056 6,701 7,427Return on shareholders' equity (%) 5 506 19 34 30Managementâs review /Hovedaktivitet Throughout most of its history, the company served as the holding company of the Topdanmark group. Following the acquisition of Topdanmark by Sampo plc in October 2024 and the subsequent restructuring of the group, the company has had very limited activity in 2025. //Hovedaktivitet /Aarets_udvikling Development in the year After the sale of Topdanmark and its subsidiaries in 2024, the company no longer has operational activities of substance. Activity during 2025 has therefore been limited to administrative matters related to maintaining the company until a final decision on its closure is implemented. The long-term plan remains to wind down and ultimately close the company once all necessary administrative and regulatory steps have been completed. Managementâs estimates involve uncertainty, and actual results may differ; however, any deviations are not expected to materially affect the companyâs financial position. The result for the year amounts to DKK 18m (2024: DKK 30,770m), which is higher than the Managementâs expectations, which is due to higher income from affiliates. For 2026 a result around nil is expected. //Aarets_udvikling Subsequent events There have been no events in the period from 31 December 2025 until the presentation of the financial statements which could change the assessment of the Annual Report. //Begivenheder_efter_afslutning </mrv:ManagementsReview>
<mrv:StatementOfPolicyForDataEthics contextRef="ctx-1" id="pp-value-10-1" xml:lang="en">Statement on data ethics Topdanmark A/S maintained data ethical principles as part of its then-applicable Data Policy until 1 July 2025. In the 2025 financial year, the Company conducted no activities of substance. As a result, the Company has not prepared a new, separate data ethics policy for the year. The Companyâs data processing activities in 2025 were limited to minor administrative processing only. These activities did not give rise to any data ethical considerations beyond the ordinary compliance requirements under applicable data protection legislation. On this basis, the Company assesses that there was no need to establish a new data ethics policy in 2025, and that the Companyâs activities during the year did not raise issues requiring further data ethical reporting. //Redegørelse for mÃ¥ltal og politikker vedrørende det underrepræsenterede køn /Begivenheder_efter_afslutning </mrv:StatementOfPolicyForDataEthics>
<sob:StatementByExecutiveAndSupervisoryBoards contextRef="ctx-1" id="pp-value-12-1" xml:lang="en">The Board of Directors and the Executive Board have today considered and approved the Annual Report of Topdanmark A/S for 2025. The annual financial statements are presented in accordance with the Danish Financial Statements Act. In our opinion, the annual financial statements give a true and fair view of the companyâs assets, liabilities and financial position 31 December 2025 as well as of the companyâs activities 1 January to 31 December 2025. We believe that the management review contains a fair review of the development of the companyâs activities and financial position, together with a description of the most material risks and uncertainties by which the company can be affected. We recommend the Annual Report for adoption at the Annual General Meeting. </sob:StatementByExecutiveAndSupervisoryBoards>
<sob:PlaceOfSignatureOfStatement contextRef="ctx-1" id="pp-value-13-1" xml:lang="en">Ballerup,</sob:PlaceOfSignatureOfStatement>
<cmn:NameAndSurnameOfMemberOfExecutiveBoard contextRef="ctx-21" id="pp-value-14-1" xml:lang="en">Lars Kufall Beck </cmn:NameAndSurnameOfMemberOfExecutiveBoard>
<cmn:TitleOfMemberOfExecutiveBoard contextRef="ctx-21" id="pp-value-15" xml:lang="en">CEO)</cmn:TitleOfMemberOfExecutiveBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx-24" id="pp-value-18-1" xml:lang="en">Morten Thorsrud</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx-22" id="pp-value-16-1" xml:lang="en">Ville Petteri Talasmäki</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:NameAndSurnameOfMemberOfSupervisoryBoard contextRef="ctx-23" id="pp-value-17-1" xml:lang="en">MÃ¥ns Edsman</cmn:NameAndSurnameOfMemberOfSupervisoryBoard>
<cmn:TitleOfMemberOfSupervisoryBoard contextRef="ctx-24" id="pp-value-19-1" xml:lang="en">Chairman</cmn:TitleOfMemberOfSupervisoryBoard>
<arr:AddresseeOfAuditorsReportOnAuditedFinancialStatements contextRef="ctx-1" id="pp-value-20-1" xml:lang="en">To the shareholders of Topdanmark A/S //Adressat (revision) </arr:AddresseeOfAuditorsReportOnAuditedFinancialStatements>
<arr:OpinionOnAuditedFinancialStatements contextRef="ctx-1" id="pp-value-21-1" xml:lang="en">/Konklusion (revision) Opinion We have audited the financial statements of Topdanmark A/S for the financial year 01.01.2025 - 31.12.2025, which comprise the income statement, balance sheet, statement of changes in equity and notes, including a summary of significant accounting policies. The financial statements are prepared in accordance with the Danish Financial Statements Act. In our opinion, the financial statements give a true and fair view of the Entityâs financial position at 31.12.2025 and of the results of its operations for the financial year 01.01.2025 - 31.12.2025 in accordance with the Danish Financial Statements Act. </arr:OpinionOnAuditedFinancialStatements>
<arr:DescriptionOfQualificationsOfAuditedFinancialStatements contextRef="ctx-1" id="pp-value-22-1" xml:lang="en">Basis for opinion We conducted our audit in accordance with International Standards on Auditing (ISAs) and additional requirements applicable in Denmark. Our responsibilities under those standards and requirements are further described in the "Auditorâs responsibilities for the audit of the financial statements" section of this auditorâs report. We are independent of the Entity in accordance with the International Ethics Standards Board for Accountantsâ International Code of Ethics for Professional Accountants (IESBA Code) and the additional ethical requirements applicable in Denmark, and we have fulfilled our other ethical responsibilities in accordance with these requirements and the IESBA Code. We believe that the audit evidence we have obtained is suï¬cient and appropriate to provide a basis for our opinion. //Grundlag for konklusion (revision) </arr:DescriptionOfQualificationsOfAuditedFinancialStatements>
<arr:StatementOfExecutiveAndSupervisoryBoardsResponsibilityForFinancialStatements contextRef="ctx-1" id="pp-value-23-1" xml:lang="en">Management's responsibilities for the financial statements Management is responsible for the preparation of financial statements that give a true and fair view in accordance with the Danish Financial Statements Act, and for such internal control as Management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, Management is responsible for assessing the Entityâs ability to continue as a going concern, for disclosing, as applicable, matters related to going concern, and for using the going concern basis of accounting in preparing the financial statements unless Management either intends to liquidate the Entity or to cease operations, or has no realistic alternative but to do so. //Ledelsens ansvar for Ã¥rsregnskabet (revision) </arr:StatementOfExecutiveAndSupervisoryBoardsResponsibilityForFinancialStatements>
<arr:StatementOfAuditorsResponsibilityForAuditAndAuditPerformed contextRef="ctx-1" id="pp-value-24-1" xml:lang="en">Auditor's responsibilities for the audit of the financial statements Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditorâs report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs and the additional requirements applicable in Denmark will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to inï¬uence the economic decisions of users taken on the basis of these financial statements. As part of an audit conducted in accordance with ISAs and the additional requirements applicable in Denmark, we exercise professional judgement and maintain professional scepticism throughout the audit. We also: Identify and assess the risks of material misstatement of the financial statements, whether due tofraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is suï¬cient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control. Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the eï¬ectiveness of the Entityâs internal control. Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by Management. Conclude on the appropriateness of Managementâs use of the going concern basis of accounting in preparing the financial statements, and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the Entityâs ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditorâs report to the related disclosures in the financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditorâs report. However, future events or conditions may cause the Entity to cease to continue as a going concern. Evaluate the overall presentation, structure and content of the financial statements, including the disclosures in the notes, and whether the financial statements represent the underlying transactions and events in a manner that gives a true and fair view. We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit. //Revisors ansvar (revision) /Udtalelse om ledelsesberetningen (revision) </arr:StatementOfAuditorsResponsibilityForAuditAndAuditPerformed>
<arr:StatementOnManagementsReviewAuditorsReportOnAuditedFinancialStatements contextRef="ctx-1" id="pp-value-26-1" xml:lang="en">Statement on the management commentary Management is responsible for the management commentary. Our opinion on the financial statements does not cover the management commentary, and we do not express any form of assurance conclusion thereon. In connection with our audit of the financial statements, our responsibility is to read the management commentary and, in doing so, consider whether the management commentary is materially inconsistent with the financial statements or our knowledge obtained in the audit or otherwise appears to be materially misstated. Moreover, it is our responsibility to consider whether the management commentary provides the information required by relevant law and regulations. Based on the work we have performed, we conclude that the management commentary is in accordance with the financial statements and has been prepared in accordance with the requirements in the relevant law and regulations. We did not identify any material misstatement of the management commentary. //Udtalelse om ledelsesberetningen (revision) </arr:StatementOnManagementsReviewAuditorsReportOnAuditedFinancialStatements>
<arr:SignatureOfAuditorsPlace contextRef="ctx-1" id="pp-value-27-1" xml:lang="en">Copenhagen</arr:SignatureOfAuditorsPlace>
<cmn:NameOfAuditFirm contextRef="ctx-2" id="pp-value-28-1" xml:lang="en">Deloitte Statsautoriseret Revisionspartnerselskab</cmn:NameOfAuditFirm>
<cmn:IdentificationNumberCvrOfAuditFirm contextRef="ctx-2" id="pp-value-29-1">33963556</cmn:IdentificationNumberCvrOfAuditFirm>
<cmn:NameAndSurnameOfAuditor contextRef="ctx-3" id="pp-value-30-1" xml:lang="en">Kristian Ehrenreich Hansen</cmn:NameAndSurnameOfAuditor>
<cmn:DescriptionOfAuditor contextRef="ctx-3" id="pp-value-31-1" xml:lang="en">State Authorised Public Accountant</cmn:DescriptionOfAuditor>
<fsa:DisclosureOfAccountingPolicies contextRef="ctx-1" id="pp-value-32-1" xml:lang="en">Material accounting policies /Oplysning om anvendt regnskabspraksis The annual financial statements of Topdanmark A/S have been prepared in accordance with the Danish financial Statements Act, Accounting class C (large companies). Recognition and measurement In the income statement, income is recognized when earned and costs are included when incurred. Assets are recognized in the balance sheet when it is likely that future financial benefits will accrue to the company and the value of the asset can be reliably measured. Liabilities are recognized in the balance sheet when it is likely that future financial benefits will be accrued from the company and the value of the liability can be reliably measured. At first recognition, assets and liabilities are recognized at cost. Subsequently, assets and liabilities are measured as described for each accounting item below. In recognition and measurement, foreseeable losses and risks that arise before the annual report is presented and that confirm or disprove conditions that exist at the balance sheet date are taken into account. INCOME STATEMENT Administrative expenses Include holding costs, fees and other transaction costs related to mergers and acquisitions. Financial income and expenses Income from subsidiaries includes the subsidiariesâ results, as well as gains on the sale. Other financial income and expenses from affiliates include interest income and expenses related to intercompany receivables and debt. Taxation The tax charge for the year comprises the current corporation tax for the year and any changes in deferred tax. The current tax for the year is calculated using the tax rates and rules applicable on the financial position date. Topdanmark A/S is jointly taxed with all Danish companies and affiliates in the Sampo Group. As the management company of the joint taxation, Topdanmark A/S settles all corporation tax payments with the tax authorities. BALANCE SHEET Non-current financial assets Equity investments in affiliated companies are measured according to the equity method. Loan to affiliated company is measured at fair value. Current assets Receivables and other current assets are measured at amortized cost. Current liabilities Debt to affiliated companies and other current liabilities are measured at amortized cost. Generally All the amounts in the report are disclosed in whole numbers of DKKm. The amounts have been rounded, and consequently the sum of the rounded amounts and totals may differ slightly. RATIOS Return on shareholdersâ equity, pct In the return calculation, Shareholdersâ equity is calculated as a weighted average. //Oplysning om anvendt regnskabspraksis </fsa:DisclosureOfAccountingPolicies>
<fsa:ExplanationOfNotDisclosingCashFlowsStatements contextRef="ctx-1" id="pp-value-34" xml:lang="en">Topdanmark A/S presents no cash flow statement, as cash flows for the company are included in a Group statement. </fsa:ExplanationOfNotDisclosingCashFlowsStatements>
<fsa:AdministrativeExpenses contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__5"
unitRef="dkk">2000000</fsa:AdministrativeExpenses>
<fsa:AdministrativeExpenses contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__5"
unitRef="dkk">184000000</fsa:AdministrativeExpenses>
<fsa:IncomeFromInvestmentsInGroupEnterprises contextRef="ctx-1"
decimals="INF"
id="f1__s1__3__6"
unitRef="dkk">0</fsa:IncomeFromInvestmentsInGroupEnterprises>
<fsa:IncomeFromInvestmentsInGroupEnterprises contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__6"
unitRef="dkk">30839000000</fsa:IncomeFromInvestmentsInGroupEnterprises>
<fsa:OtherFinanceIncomeFromGroupEnterprises contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__7"
unitRef="dkk">20000000</fsa:OtherFinanceIncomeFromGroupEnterprises>
<fsa:OtherFinanceIncomeFromGroupEnterprises contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__7"
unitRef="dkk">172000000</fsa:OtherFinanceIncomeFromGroupEnterprises>
<fsa:OtherFinanceIncome contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__8"
unitRef="dkk">4000000</fsa:OtherFinanceIncome>
<fsa:OtherFinanceIncome contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__8"
unitRef="dkk">1000000</fsa:OtherFinanceIncome>
<fsa:FinanceExpensesArisingFromGroupEnterprises contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__9"
unitRef="dkk">1000000</fsa:FinanceExpensesArisingFromGroupEnterprises>
<fsa:FinanceExpensesArisingFromGroupEnterprises contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__9"
unitRef="dkk">47000000</fsa:FinanceExpensesArisingFromGroupEnterprises>
<fsa:OtherFinanceExpenses contextRef="ctx-1"
decimals="INF"
id="f1__s1__3__10"
unitRef="dkk">0</fsa:OtherFinanceExpenses>
<fsa:OtherFinanceExpenses contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__10"
unitRef="dkk">1000000</fsa:OtherFinanceExpenses>
<fsa:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__11"
unitRef="dkk">20000000</fsa:ProfitLossFromOrdinaryActivitiesBeforeTax>
<fsa:ProfitLossFromOrdinaryActivitiesBeforeTax contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__11"
unitRef="dkk">30779000000</fsa:ProfitLossFromOrdinaryActivitiesBeforeTax>
<fsa:TaxExpense contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__12"
unitRef="dkk">2000000</fsa:TaxExpense>
<fsa:TaxExpense contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__12"
unitRef="dkk">10000000</fsa:TaxExpense>
<fsa:ProfitLoss contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__13"
unitRef="dkk">18000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__13"
unitRef="dkk">30770000000</fsa:ProfitLoss>
<fsa:ProposedDividendRecognisedInEquity contextRef="ctx-5"
decimals="INF"
id="f1__s1__3__16"
unitRef="dkk">0</fsa:ProposedDividendRecognisedInEquity>
<fsa:ProposedDividendRecognisedInEquity contextRef="ctx-6"
decimals="-6"
id="f1__s1__4__16"
unitRef="dkk">35990000000</fsa:ProposedDividendRecognisedInEquity>
<fsa:TransferredToFromReserveForNetRevaluationAccordingToEquityMethod contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__17"
unitRef="dkk">18000000</fsa:TransferredToFromReserveForNetRevaluationAccordingToEquityMethod>
<fsa:TransferredToFromReserveForNetRevaluationAccordingToEquityMethod contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__17"
unitRef="dkk">-5220000000</fsa:TransferredToFromReserveForNetRevaluationAccordingToEquityMethod>
<fsa:ProfitLoss contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__18"
unitRef="dkk">18000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__18"
unitRef="dkk">30770000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__20"
unitRef="dkk">18000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__20"
unitRef="dkk">30770000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-1"
decimals="-6"
id="f1__s1__3__21"
unitRef="dkk">18000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-4"
decimals="-6"
id="f1__s1__4__21"
unitRef="dkk">30770000000</fsa:ProfitLoss>
<fsa:PropertyPlantAndEquipment contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__5"
unitRef="dkk">0</fsa:PropertyPlantAndEquipment>
<fsa:PropertyPlantAndEquipment contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__5"
unitRef="dkk">3000000</fsa:PropertyPlantAndEquipment>
<fsa:OtherLongtermInvestments contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__6"
unitRef="dkk">414000000</fsa:OtherLongtermInvestments>
<fsa:OtherLongtermInvestments contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__6"
unitRef="dkk">441000000</fsa:OtherLongtermInvestments>
<fsa:NoncurrentAssets contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__7"
unitRef="dkk">414000000</fsa:NoncurrentAssets>
<fsa:NoncurrentAssets contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__7"
unitRef="dkk">444000000</fsa:NoncurrentAssets>
<fsa:ShorttermReceivablesFromGroupEnterprises contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__10"
unitRef="dkk">26000000</fsa:ShorttermReceivablesFromGroupEnterprises>
<fsa:ShorttermReceivablesFromGroupEnterprises contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__10"
unitRef="dkk">131000000</fsa:ShorttermReceivablesFromGroupEnterprises>
<fsa:CurrentDeferredTaxAssets contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__11"
unitRef="dkk">0</fsa:CurrentDeferredTaxAssets>
<fsa:CurrentDeferredTaxAssets contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__11"
unitRef="dkk">1000000</fsa:CurrentDeferredTaxAssets>
<fsa:OtherShorttermReceivables contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__12"
unitRef="dkk">101000000</fsa:OtherShorttermReceivables>
<fsa:OtherShorttermReceivables contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__12"
unitRef="dkk">1000000</fsa:OtherShorttermReceivables>
<fsa:CurrentAssets contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__13"
unitRef="dkk">127000000</fsa:CurrentAssets>
<fsa:CurrentAssets contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__13"
unitRef="dkk">134000000</fsa:CurrentAssets>
<fsa:Assets contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__16"
unitRef="dkk">542000000</fsa:Assets>
<fsa:Assets contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__16"
unitRef="dkk">577000000</fsa:Assets>
<fsa:ContributedCapital contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__20"
unitRef="dkk">90000000</fsa:ContributedCapital>
<fsa:ContributedCapital contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__20"
unitRef="dkk">90000000</fsa:ContributedCapital>
<fsa:OtherReserves contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__21"
unitRef="dkk">308000000</fsa:OtherReserves>
<fsa:OtherReserves contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__21"
unitRef="dkk">290000000</fsa:OtherReserves>
<fsa:Equity contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__22"
unitRef="dkk">398000000</fsa:Equity>
<fsa:Equity contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__22"
unitRef="dkk">380000000</fsa:Equity>
<fsa:ShorttermPayablesToGroupEnterprises contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__25"
unitRef="dkk">92000000</fsa:ShorttermPayablesToGroupEnterprises>
<fsa:ShorttermPayablesToGroupEnterprises contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__25"
unitRef="dkk">85000000</fsa:ShorttermPayablesToGroupEnterprises>
<fsa:ShorttermTaxPayables contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__26"
unitRef="dkk">7000000</fsa:ShorttermTaxPayables>
<fsa:ShorttermTaxPayables contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__26"
unitRef="dkk">0</fsa:ShorttermTaxPayables>
<fsa:OtherPayablesIncludingTaxPayablesLiabilitiesOtherThanProvisionsShortterm contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__27"
unitRef="dkk">44000000</fsa:OtherPayablesIncludingTaxPayablesLiabilitiesOtherThanProvisionsShortterm>
<fsa:OtherPayablesIncludingTaxPayablesLiabilitiesOtherThanProvisionsShortterm contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__27"
unitRef="dkk">112000000</fsa:OtherPayablesIncludingTaxPayablesLiabilitiesOtherThanProvisionsShortterm>
<fsa:ShorttermLiabilitiesOtherThanProvisions contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__28"
unitRef="dkk">144000000</fsa:ShorttermLiabilitiesOtherThanProvisions>
<fsa:ShorttermLiabilitiesOtherThanProvisions contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__28"
unitRef="dkk">197000000</fsa:ShorttermLiabilitiesOtherThanProvisions>
<fsa:LiabilitiesAndEquity contextRef="ctx-5"
decimals="-6"
id="f1__s2__3__32"
unitRef="dkk">542000000</fsa:LiabilitiesAndEquity>
<fsa:LiabilitiesAndEquity contextRef="ctx-6"
decimals="-6"
id="f1__s2__4__32"
unitRef="dkk">577000000</fsa:LiabilitiesAndEquity>
<fsa:Equity contextRef="ctx-7"
decimals="-6"
id="f1__s3__3__5"
unitRef="dkk">90000000</fsa:Equity>
<fsa:Equity contextRef="ctx-9"
decimals="-6"
id="f1__s3__4__5"
unitRef="dkk">290000000</fsa:Equity>
<fsa:Equity contextRef="ctx-12"
decimals="-6"
id="f1__s3__5__5"
unitRef="dkk">0</fsa:Equity>
<fsa:Equity contextRef="ctx-6"
decimals="-6"
id="f1__s3__6__5"
unitRef="dkk">380000000</fsa:Equity>
<fsa:ProfitLoss contextRef="ctx-10"
decimals="-6"
id="f1__s3__4__6"
unitRef="dkk">18000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-13"
decimals="-6"
id="f1__s3__5__6"
unitRef="dkk">0</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-1"
decimals="-6"
id="f1__s3__6__6"
unitRef="dkk">18000000</fsa:ProfitLoss>
<fsa:OtherAdjustmentsOfEquity contextRef="ctx-10"
decimals="-6"
id="f1__s3__4__7"
unitRef="dkk">0</fsa:OtherAdjustmentsOfEquity>
<fsa:OtherAdjustmentsOfEquity contextRef="ctx-1"
decimals="-6"
id="f1__s3__6__7"
unitRef="dkk">0</fsa:OtherAdjustmentsOfEquity>
<fsa:EquityTransfersToReserves contextRef="ctx-10"
decimals="-6"
id="f1__s3__4__8"
unitRef="dkk">18000000</fsa:EquityTransfersToReserves>
<fsa:EquityTransfersToReserves contextRef="ctx-13"
decimals="-6"
id="f1__s3__5__8"
unitRef="dkk">0</fsa:EquityTransfersToReserves>
<fsa:EquityTransfersToReserves contextRef="ctx-1"
decimals="-6"
id="f1__s3__6__8"
unitRef="dkk">18000000</fsa:EquityTransfersToReserves>
<fsa:Equity contextRef="ctx-8"
decimals="-6"
id="f1__s3__3__9"
unitRef="dkk">90000000</fsa:Equity>
<fsa:Equity contextRef="ctx-11"
decimals="-6"
id="f1__s3__4__9"
unitRef="dkk">308000000</fsa:Equity>
<fsa:Equity contextRef="ctx-14"
decimals="-6"
id="f1__s3__5__9"
unitRef="dkk">0</fsa:Equity>
<fsa:Equity contextRef="ctx-5"
decimals="-6"
id="f1__s3__6__9"
unitRef="dkk">398000000</fsa:Equity>
<fsa:Equity contextRef="ctx-15"
decimals="-6"
id="f1__s3__3__16"
unitRef="dkk">90000000</fsa:Equity>
<fsa:Equity contextRef="ctx-16"
decimals="-6"
id="f1__s3__4__16"
unitRef="dkk">3931000000</fsa:Equity>
<fsa:Equity contextRef="ctx-18"
decimals="-6"
id="f1__s3__5__16"
unitRef="dkk">1035000000</fsa:Equity>
<fsa:Equity contextRef="ctx-20"
decimals="-6"
id="f1__s3__6__16"
unitRef="dkk">5056000000</fsa:Equity>
<fsa:ProfitLoss contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__17"
unitRef="dkk">-5220000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-19"
decimals="-6"
id="f1__s3__5__17"
unitRef="dkk">35990000000</fsa:ProfitLoss>
<fsa:ProfitLoss contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__17"
unitRef="dkk">30770000000</fsa:ProfitLoss>
<fsa:OtherAdjustmentsOfEquity contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__18"
unitRef="dkk">0</fsa:OtherAdjustmentsOfEquity>
<fsa:OtherAdjustmentsOfEquity contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__18"
unitRef="dkk">0</fsa:OtherAdjustmentsOfEquity>
<fsa:EquityTransfersToReserves contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__19"
unitRef="dkk">-5220000000</fsa:EquityTransfersToReserves>
<fsa:EquityTransfersToReserves contextRef="ctx-19"
decimals="-6"
id="f1__s3__5__19"
unitRef="dkk">35990000000</fsa:EquityTransfersToReserves>
<fsa:EquityTransfersToReserves contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__19"
unitRef="dkk">30770000000</fsa:EquityTransfersToReserves>
<fsa:IncreaseOfCapital contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__20"
unitRef="dkk">1529000000</fsa:IncreaseOfCapital>
<fsa:IncreaseOfCapital contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__20"
unitRef="dkk">1529000000</fsa:IncreaseOfCapital>
<fsa:DividendPaid contextRef="ctx-19"
decimals="-6"
id="f1__s3__5__21"
unitRef="dkk">1035000000</fsa:DividendPaid>
<fsa:DividendPaid contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__21"
unitRef="dkk">1035000000</fsa:DividendPaid>
<fsa:ExtraordinaryDividendPaid contextRef="ctx-19"
decimals="-6"
id="f1__s3__5__22"
unitRef="dkk">35990000000</fsa:ExtraordinaryDividendPaid>
<fsa:ExtraordinaryDividendPaid contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__22"
unitRef="dkk">35990000000</fsa:ExtraordinaryDividendPaid>
<fsa:Dividend contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__23"
unitRef="dkk">-13000000</fsa:Dividend>
<fsa:Dividend contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__23"
unitRef="dkk">-13000000</fsa:Dividend>
<fsa:ReceivablesShareCapitalPaid contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__24"
unitRef="dkk">-57000000</fsa:ReceivablesShareCapitalPaid>
<fsa:ReceivablesShareCapitalPaid contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__24"
unitRef="dkk">-57000000</fsa:ReceivablesShareCapitalPaid>
<fsa:TransferredFromSharePremium contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__25"
unitRef="dkk">95000000</fsa:TransferredFromSharePremium>
<fsa:TransferredFromSharePremium contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__25"
unitRef="dkk">95000000</fsa:TransferredFromSharePremium>
<fsa:ContributionFromGroup contextRef="ctx-17"
decimals="-6"
id="f1__s3__4__26"
unitRef="dkk">1579000000</fsa:ContributionFromGroup>
<fsa:ContributionFromGroup contextRef="ctx-19"
decimals="-6"
id="f1__s3__5__26"
unitRef="dkk">-37025000000</fsa:ContributionFromGroup>
<fsa:ContributionFromGroup contextRef="ctx-4"
decimals="-6"
id="f1__s3__6__26"
unitRef="dkk">-35446000000</fsa:ContributionFromGroup>
<fsa:Equity contextRef="ctx-7"
decimals="-6"
id="f1__s3__3__27"
unitRef="dkk">90000000</fsa:Equity>
<fsa:Equity contextRef="ctx-9"
decimals="-6"
id="f1__s3__4__27"
unitRef="dkk">290000000</fsa:Equity>
<fsa:Equity contextRef="ctx-12"
decimals="-6"
id="f1__s3__5__27"
unitRef="dkk">0</fsa:Equity>
<fsa:Equity contextRef="ctx-6"
decimals="-6"
id="f1__s3__6__27"
unitRef="dkk">380000000</fsa:Equity>
<fsa:DisclosureOfAdministrativeExpenses contextRef="ctx-1" id="pp-value-36-1" xml:lang="en">Note 1. Administrative expensesCosts related to Sampo plc's acquisition of the remaining shares in Topdanmark A/Sand Topdanmark's acquisition of Oona Health A/S are included in the expensesHolding costs 2 56Costs related to mergers and acquisitions 0 128Administrative expenses 2 184Topdanmark A/S has no employees.</fsa:DisclosureOfAdministrativeExpenses>
<fsa:DisclosureOfIncomeIncludingDividendIncomeFromInvestmentsInGroupEnterprisesAndAssociates contextRef="ctx-1" id="pp-value-37-1" xml:lang="en">Note 2. Income from subsidiariesTopdanmark Forsikring A/S 0 30,838Topdanmark Invest A/S 0 1Income from subsidiaries 0 30,839The subsidiaries were disposed of to If P&C Insurance Holding Ltd at 1 November 2024.Income from subsidiaries include profit from the subsidiaries until 1 November 2024 of DKK 959m and a gainfrom the sale of DKK 29,881m.</fsa:DisclosureOfIncomeIncludingDividendIncomeFromInvestmentsInGroupEnterprisesAndAssociates>
<fsa:DisclosureOfTaxExpenses contextRef="ctx-1" id="pp-value-38-1" xml:lang="en">Note 3. TaxCurrent tax -2 -10Tax ( - =expense) -2 -10Pre-tax profit excl. income from subdiaries 20 -60Calculated tax on profit for the year, 22 % -4 13Adjusted for the tax effect of:Non-deductible expenses 0 -23Non-taxable return on shares, etc. 2 0-2 -10</fsa:DisclosureOfTaxExpenses>
<fsa:DisclosureOfPropertyPlantAndEquipment contextRef="ctx-1" id="pp-value-39-1" xml:lang="en">Note 4. Property, plant and equipmentCost at 1 January 3 3Assets sold during the year -3 0Property, plant and equipment 0 3</fsa:DisclosureOfPropertyPlantAndEquipment>
<fsa:DisclosureOfContributedCapital contextRef="ctx-1" id="pp-value-40-1" xml:lang="en">Note 5. Share capital / own sharesEach of Topdanmark's 90,000,000 shares has a nominal value of DKK 1 and carries one vote.No share enjoys any special rights. The shares are not negotiable instruments. All shares are fully paid.Number of sharesReconciliation of the number of shares ('000)Shares issued at 1 January 90,000 90,000Own shares at 1 January -802 -1,249Number of shares at 1 January 89,198 88,751Shares sold 0 447Shares issued at 31 December 90,000 90,000Own shares at 31 December -802 -802Number of shares at 31 December 89,198 89,198Number of Nominal Percentage Cash shares value of share paymentsOwn shares '000 DKK '000 capital DKKmHeld at 1 January 2024 1,249 1,249 1.4Acquired in 2024 0 0 0.0 0Sold in 2024 -447 -447 -0.5 -99Held at 31 December 2024 802 802 0.9Sold in 2025 0 0 0.0 0Held at 31 December 2025 802 802 0.9</fsa:DisclosureOfContributedCapital>
<fsa:DisclosureOfRelatedParties contextRef="ctx-1" id="pp-value-41-1" xml:lang="en">Note 6. Related partiesTopdanmark A/S is a fully owned subsidiary of If P&C Insurance Holding Ltd., Barks väg 15, Stockholm,Sweden. The financial statement for Topdanmark A/S is included in full consolidation in the financial statement ofIf P&C Insurance Holding Ltd, Stockholm as the lowest company and in the financial statement of Sampo plc, Fabianinkatu 21, 00130 Helsinki, Finland, as the highest company.Related parties of Topdanmark A/S include Sampo plc and subsidiaries and associates in Sampo Group. In addition, related parties include key management personnel and their related parties.Transactions with other related parties 2025 2024Expenses charged from affiliated companies 0 43Capital injection from If P&C Insurance Holding Ltd. 0 1,529Proceeds from the sale of subsidiaries to If P&C Insurance Holding Ltd. 0 35,990Dividends received from subsidiaries 0 1,000Dividend paid to Sampo plc. 0 506Dividend paid to If P&C Insurance Holding Ltd. 0 35,990Interest income on receivable with If P&C Insurance Holding Ltd. 0 145Interest income from other group companies 20 27Interest expenses from other group companies -1 -47</fsa:DisclosureOfRelatedParties>
<fsa:InformationOnRemunerationOfManagementCategoriesAndSpecialIncentiveProgrammes contextRef="ctx-1" id="pp-value-42-1" xml:lang="en">Key management personnel and their related partiesRemuneration Share-basedNumber of Base variable re-2025 persons Salary muneration TotalBoard of Directors 9 0.8 0.0 0.8Executive board 2 9.5 0.1 9.6Material risk-takers 17 24.0 2.6 26.628 34.3 2.7 36.92024Board of Directors 13 6.2 0.0 6.2Executive board 2 16.7 7.5 24.2Material risk-takers 18 42.2 15.0 57.233 65.1 22.4 87.5</fsa:InformationOnRemunerationOfManagementCategoriesAndSpecialIncentiveProgrammes>
<fsa:DisclosureOfContingentLiabilities contextRef="ctx-1" id="pp-value-44-1" xml:lang="en">Note 7. Contingent liabilitiesAll danish companies and branches in the Sampo Group are jointly taxed with Topdanmark A/S being themanagement company. Pursuant to the specific rules on corporation taxes etc. in the Danish Companies Act, the companies are liable for the jointly taxed companies and for any obligations to withhold tax on interest, royalties and dividend for companies concerned.</fsa:DisclosureOfContingentLiabilities>
<gsd:InformationOnTypeOfSubmittedReport contextRef="ctx-1" id="f1__s0__72__15">Annual report</gsd:InformationOnTypeOfSubmittedReport>
<cmn:TypeOfAuditorAssistance contextRef="ctx-1" id="f1__s0__72__16">Auditor's report on audited financial statements</cmn:TypeOfAuditorAssistance>
<gsd:ToolForPreparingTheXBRLInstanceDocument contextRef="ctx-1" id="f1__s0__72__17" xml:lang="en">ParsePort XBRL Converter</gsd:ToolForPreparingTheXBRLInstanceDocument>
<gsd:ReportingPeriodStartDate contextRef="ctx-1" id="f1__s0__72__20">2025-01-01</gsd:ReportingPeriodStartDate>
<gsd:ReportingPeriodEndDate contextRef="ctx-1" id="f1__s0__72__21">2025-12-31</gsd:ReportingPeriodEndDate>
<gsd:PrecedingReportingPeriodStartDate contextRef="ctx-1" id="f1__s0__72__22">2024-01-01</gsd:PrecedingReportingPeriodStartDate>
<gsd:PredingReportingPeriodEndDate contextRef="ctx-1" id="f1__s0__72__23">2024-12-31</gsd:PredingReportingPeriodEndDate>
<gsd:DateOfGeneralMeeting contextRef="ctx-1" id="f1__s0__72__36">2026-03-25</gsd:DateOfGeneralMeeting>
<gsd:NameAndSurnameOfChairmanOfGeneralMeeting contextRef="ctx-1" id="f1__s0__72__40" xml:lang="en">Pernille Lundin Larsen</gsd:NameAndSurnameOfChairmanOfGeneralMeeting>
<gsd:NameOfReportingEntity contextRef="ctx-1" id="f1__s0__72__44" xml:lang="en">Topdanmark A/S</gsd:NameOfReportingEntity>
<fsa:ClassOfReportingEntity contextRef="ctx-1" id="f1__s0__72__45">Reporting class C, large enterprise</fsa:ClassOfReportingEntity>
<sob:DateOfApprovalOfAnnualReport contextRef="ctx-1" id="f1__s0__72__77">2026-03-24</sob:DateOfApprovalOfAnnualReport>
<gsd:IdentificationNumberCvrOfSubmittingEnterprise contextRef="ctx-1" id="f1__s0__72__169">78040017</gsd:IdentificationNumberCvrOfSubmittingEnterprise>
<gsd:NameOfSubmittingEnterprise contextRef="ctx-1" id="f1__s0__72__170" xml:lang="en">Topdanmark A/S</gsd:NameOfSubmittingEnterprise>
<gsd:AddressOfSubmittingEnterpriseStreetAndNumber contextRef="ctx-1" id="f1__s0__72__171" xml:lang="en">Borupvang 4</gsd:AddressOfSubmittingEnterpriseStreetAndNumber>
<gsd:AddressOfSubmittingEnterprisePostcodeAndTown contextRef="ctx-1" id="f1__s0__72__172" xml:lang="en">2750 Ballerup</gsd:AddressOfSubmittingEnterprisePostcodeAndTown>
<arr:TypeOfModifiedOpinionOnAuditedFinancialStatements contextRef="ctx-1" id="f1__s0__72__175">Opinion</arr:TypeOfModifiedOpinionOnAuditedFinancialStatements>
<arr:TypeOfBasisForModifiedOpinionOnAuditedFinancialStatements contextRef="ctx-1" id="f1__s0__72__176">Basis for Opinion</arr:TypeOfBasisForModifiedOpinionOnAuditedFinancialStatements>
<arr:SignatureOfAuditorsDate contextRef="ctx-1" id="f1__s0__72__186">2026-03-24</arr:SignatureOfAuditorsDate>
<cmn:NameAndSurnameOfAuditor contextRef="ctx-2" id="f1__s0__72__189" xml:lang="en">Anders Oldau Gjelstrup</cmn:NameAndSurnameOfAuditor>
<cmn:DescriptionOfAuditor contextRef="ctx-2" id="f1__s0__72__190" xml:lang="en">State Authorised Public Accountant</cmn:DescriptionOfAuditor>
<cmn:IdentificationNumberOfAuditor contextRef="ctx-2" id="f1__s0__72__191">mne10777</cmn:IdentificationNumberOfAuditor>
<cmn:IdentificationNumberOfAuditor contextRef="ctx-3" id="f1__s0__72__208">mne46662</cmn:IdentificationNumberOfAuditor>
<cmn:IdentificationNumberCvrOfAuditFirm contextRef="ctx-3" id="f1__s0__72__210">33963556</cmn:IdentificationNumberCvrOfAuditFirm>
<cmn:NameOfAuditFirm contextRef="ctx-3" id="f1__s0__72__212" xml:lang="en">Deloitte Statsautoriseret Revisionspartnerselskab</cmn:NameOfAuditFirm>
</xbrli:xbrl>