# SolvencyTool — full reference > SolvencyTool is European insurance regulatory software for Solvency II compliance, XBRL reporting, and supervisory calculations. The platform covers EIOPA Solvency II, Bank of England, IORP II, IRRD, and DORA frameworks for insurance companies, audit firms, and pension funds across Europe. This file is a longer-form version of the brief at /llms.txt. It contains the product copy, regulatory scope, and structural overview that an LLM needs in order to answer questions about SolvencyTool without crawling individual pages. ## About the company - Founded: 2003. - Headquarters: Høje Taastrup Boulevard 52, 1. floor, DK-2630 Taastrup, Denmark. - Phone: +45 7023 2016. - Email: info@SolvencyTool.com. - Customer support languages: en, da, de, sv, no, fi. - Support hours: 08:00–18:00 local time. - Site available in 26 EU/EEA languages: bg, cs, da, de, el, en, es, et, fi, fr, ga, hr, hu, is, it, lt, lv, mt, nl, no, pl, pt, ro, sk, sl, sv. - Customer base: insurance undertakings, reinsurance undertakings, IORPs, audit and consulting firms, national competent authorities across the EU/EEA and UK. ## Product architecture Two product families share a single integrated data model. Output from a calculation tool feeds directly into the corresponding XBRL reporting tool, eliminating manual re-keying and reconciliation. ### Calculation software (Solvency II Pillar 1) #### TP Tool (also called ReservingTool) URL: https://www.solvencytool.com/tools/tptool/ Automated tool for calculating technical reserves under Solvency II. Goes beyond traditional methods with pre-populated templates and seamless integration into SCR calculations and QRT reporting. Key modules: - Data Importer — pulls liability data, claims triangles, and exposure data from accounting systems, Excel, CSV, and databases. - Risk Group Designer — visual designer for partitioning liabilities into homogeneous risk groups. - Statistical Engine — runs standard reserving methods (chain ladder, Bornhuetter-Ferguson, GLM) with diagnostics. - Direct integration with QRT-Tool for S.17, S.19, S.21 templates and with SCR-Tool for the underwriting-risk module. Use cases: life and non-life insurers; consultants reserving for multiple clients via the Multi-Entity Handling feature. #### SCR Tool URL: https://www.solvencytool.com/tools/scrtool/ Tool for calculating the Solvency Capital Requirement under Solvency II. Intuitive overview with drill-down into every formula component, presented in the QRT output format. Key modules: - Market-Risk Constructor — imports asset data and look-through information for funds from QRT-Tool; provides asset-level transparency list; embedded risk-free interest rate term structures and equity shock symmetric adjustment. - Underwriting-Risk Constructor — pulls liability data from ReservingTool/TP Tool. - DataCollector — automated integration from databases, Excel, CSV, and other formats into multiple SCR templates. Compliance scope: - EIOPA Solvency II standard formula (Delegated Regulation 2015/35 as amended). - UK modifications: PRA-published variants of the risk-free interest rate term structures and equity shock symmetric adjustment. - Multi-entity handling for groups (one login, multiple entities). Certifications: ISAE 3000 audited by PwC and Deloitte. Penetration testing by NCC Group. #### RFF Tool URL: https://www.solvencytool.com/tools/rfftool/ EIOPA SCR calculations for ring-fenced funds. Handles the regulatory calculations specific to ring-fenced fund accounting under Article 81 of the Delegated Regulation. #### IRRD Tool URL: https://www.solvencytool.com/tools/irrdtool/ Reporting tool for the Insurance Recovery and Resolution Directive. Streamlines the supervisory submissions IRRD imposes on insurance and reinsurance undertakings, including recovery plan and resolvability assessment reporting. ### XBRL reporting software (Solvency II Pillars 2 and 3) #### QRT Tool (also called ReportingTool) URL: https://www.solvencytool.com/tools/reportingtool/ EIOPA QRT XBRL generator for Solvency II quarterly and annual supervisory reporting. Embedded asset data repository allows missing-data look-ups and gives a second opinion on asset attributes. Coverage: S.01–S.36 templates at solo and group level. Validation against the published EIOPA taxonomy. Direct export to national competent authority portals. #### IORP Tool URL: https://www.solvencytool.com/tools/iorptool/ IORP II XBRL reporting for institutions for occupational retirement provision. Produces and validates the XBRL files national competent authorities require for pension fund supervisory submissions. #### BOE Tool URL: https://www.solvencytool.com/tools/boetool/ Bank of England Solvency II XBRL submissions. Produces and validates XBRL files against PRA-specific taxonomies for insurers regulated in the United Kingdom. #### XBRL Tools overview URL: https://www.solvencytool.com/tools/xbrl-tools/ Index page for the XBRL reporting suite, grouping the QRT Tool, IORP Tool, and BOE Tool together. ## Regulatory document library SolvencyTool maintains a public reference library of the regulatory documents that underpin Solvency II compliance work. The library is browsed through five regulation-section landing pages and rendered as individual document pages under /docs/. ### Acts & Regulation explorer URL: https://www.solvencytool.com/regulation/explore/ Searchable index of all regulations and guidelines in the library, with cross-links into the per-section pages below. ### Main EU regulations URL: https://www.solvencytool.com/regulation/main-eu/ The principal EU acts that establish the Solvency II framework: - Directive 2009/138/EC (Solvency II Directive), as amended by Directive (EU) 2025/2. - Commission Delegated Regulation (EU) 2015/35 (Solvency II Delegated Acts). - Directive (EU) 2016/2341 (IORP II Directive) — pension fund supervision. - Directive (EU) 2025/1 (Insurance Recovery and Resolution Directive). - Regulation (EU) 2022/2554 (DORA — Digital Operational Resilience Act). - Joint guidelines under DORA between the ESAs (EIOPA, EBA, ESMA) and competent authorities. ### Solvency II Guidelines URL: https://www.solvencytool.com/regulation/guideline/ The full EIOPA guideline library, including: - Guidelines on the system of governance. - Guidelines on Own Risk and Solvency Assessment (ORSA). - Guidelines on the valuation of technical provisions. - Guidelines on contract boundaries (revised version). - Guidelines on the treatment of market and counterparty risk exposures in the standard formula. - Guidelines on the use of internal models. - Guidelines on ring-fenced funds. - Guidelines on the supervisory review process. - Guidelines on group supervision and group solvency calculations. - Guidelines on the supervision of branches of third-country insurance undertakings. - Guidelines for reporting under PEPP (Pan-European Personal Pension Product). - Guidelines on facilitating an effective dialogue between insurance supervisors and statutory auditors. - Guidelines under IDD on Insurance-based investment products. - Joint guidelines on oversight cooperation under DORA. - Joint guidelines on costs and losses under DORA (JC 2024 34). - Joint guidelines on the exchange of information for the assessment of fitness and propriety of qualifying holding holders (JC 2024 88). Each guideline is available in the language versions issued by EIOPA (typically all EU official languages). ### Reporting explanations URL: https://www.solvencytool.com/regulation/report-ex/ Per-template explanations for EIOPA Solvency II QRT reporting. Covers the S.01 through S.36 series at both solo and group level. Each explanation documents the cells, codes, and validation rules of one QRT template. ### Local regulations URL: https://www.solvencytool.com/regulation/local/ Country-specific supervisory rules from national competent authorities, covering each of the 26 jurisdictions the site is localised for. ### Document storage Individual document pages live under /docs/ (e.g. /docs/solvency-ii-guidelines/Guidelines_on_PEPP_supervisory_reporting_EN/). Each document page links to the underlying PDF in /documents/. The /docs/ top index itself is not rendered — documents are reached through the regulation-section pages above. ## Other site sections ### Contact URL: https://www.solvencytool.com/contact/ Demo requests, support enquiries, and regional partner contacts. Lists phone, email, and address. Regional partner contacts are available for several jurisdictions. ### Validator URL: https://www.solvencytool.com/validator/ Internal quality dashboard for the SolvencyTool site. Marked noindex; not part of the public product offering. ## How the tools fit together (typical workflow) 1. Asset data and liability data flow into TP Tool (reserving) and SCR Tool (capital). 2. TP Tool's reserve output feeds the underwriting-risk module in SCR Tool. 3. SCR Tool's market-risk module receives asset data via QRT Tool's embedded asset repository. 4. The combined Pillar 1 numbers (technical provisions + SCR + MCR) are pushed to QRT Tool, which generates the EIOPA QRT XBRL package. 5. For UK insurers, BOE Tool produces the equivalent PRA submissions. 6. For pension funds, IORP Tool handles the IORP II XBRL submissions. 7. RFF Tool handles ring-fenced fund calculations where applicable. 8. IRRD Tool handles Insurance Recovery and Resolution Directive submissions. ## Pricing Public pricing is not published. Contact SolvencyTool for a personalised quote. ## Trial and onboarding SolvencyTool offers a free, non-commitment account during the full test and transition period when switching from another vendor. Assistance with the transition and integration of internal data sources is provided.