The Aperlena Verdict
Narrow fieldCROATIA osiguranje d.d. leads with 60% of the last 5 comparable contracts, but 2 different suppliers have won here in 5 years. Worth a serious look.
Based on 5 comparable awards by this buyer in this sector over 5 years. Every verdict is recorded before the outcome and graded against the award notice. How we score ourselves.
Description
Terms of the procedure
- How tenders are scored
- Cijena ponude: 90 points; Rok implementacije usluge: 10 points
- Small firms
- The buyer marks this procedure as suitable for small and medium-sized firms.
- Tenders go to
- eojn.hr/tender-eo/96165
As the official notice states them.
Bid or no-bid?
Six questions before you commit a team. Under each one, what the register holds on it. The answers are yours.
Can I bid?
- Open procedure: any interested supplier may submit a bid. Above the EU threshold: open to companies from any EU country.
- The notice is written in Croatian.
- Certificates from another EU country? Check the equivalents on eCertis
Official source
Source: TED - Tenders Electronic Daily (Publications Office of the EU)
Always verify details on the official notice.
Report an error in this notice
Last verified against TED - Tenders Electronic Daily (Publications Office of the EU) 1 hour ago
Expected award price
- likely award for this notice, from its published estimate of €1,350,000
- €1.1M to €1.3M
Comparable awards in this country and sector came in at a median of 93% of their published estimate, half of them between 78% and 99%, based on 36 awards of the last 3 years.
Each award is compared with the estimate of the same lots, framework agreements excluded. A published estimate may include options and renewals, so an award under it is not always a discount.
What this buyer has paid before
Based on 4 comparable contracts this buyer awarded in this sector over the last 4 years.
- This notice
- €1.4M
- Median award
- €370,727
- Middle half of past awards
- €110,274 to €631,180
The estimate is larger than three in four past awards.
Most recent awards
- Hrvatska - Osigurateljne usluge - Premija osiguranja imovine HZMO-a i osiguranja od odgovornosti €110,274
- Hrvatska - Usluge međunarodnih platnih transakcija - Bankarske usluge - isplata mirovinskih primanja korisnicima u inozemstvo za potrebe HZMO-a €631,180
- Hrvatska - Osigurateljne usluge - Premija osiguranja imovine HZMO-a i osiguranja od odgovornosti €110,274
- Hrvatska - Usluge međunarodnih platnih transakcija - Bankarske usluge - isplata mirovinskih primanja korisnicima u inozemstvo za potrebe HZMO-a €631,180
Award values as published by the official sources. Use them as a guide, not a rule: scope, lots and duration differ between contracts.
The buyer
Full buyer profileHRVATSKI ZAVOD ZA MIROVINSKO OSIGURANJE
- notices in the register
- 70
- awards
- 36
- awarded in total
- €12.1M
Who wins its contracts
Many suppliers- different companies won its awards
- 19
- of the awards went to the three most frequent winners
- 31%
- of its calls state an estimated value
- 100%
Based on 32 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.
Competition
- tenders per lot on average (open and restricted procedures)
- 2.0
- of those lots received a single tender
- 38%
- of the awards went to companies based in another country
- 0%
As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.
One dot per award, on the day it was signed, sized by its value. A ring is an award with no published value.
Who usually wins this buyer's contracts in this sector
| Company | Wins | Total awarded | Last win |
|---|---|---|---|
| CROATIA osiguranje d.d. | 3 | €220,548 | Jul 2026 |
| ERSTE&STEIERMÄRKISCHE BANK d. d. | 2 | €1.3M | Feb 2026 |
Based on 5 awards with a linked company profile over the last 5 years.
2 open tenders right now
Market context
Larger than 73% of the open notices in Financial & insurance services across Europe.
- open now in Financial & insurance services
- 2,166
- median open notice
- €479,970
Who wins in this market
Moderately concentratedCroatia · Financial & insurance services
- different companies won awards here
- 44
- of the awards went to the three most frequent winners
- 63%
- buyers awarded contracts here
- 72
Based on 227 awards with a named winner over the last 3 years. Counted by award, not by value, because lot and framework amounts are not comparable. Concentrated means the three most frequent winners took 65% or more of the awards; many suppliers, under 35% with at least ten different winners.
Competition
- tenders per lot on average (open and restricted procedures)
- 2.6
- of those lots received a single tender
- 28%
- of the awards went to companies based in another country
- 1%
- of the tenders came from another country
- 1%
As the official award notices state them, over the last 3 years. Tenders per lot count open and restricted procedures only: in a negotiated procedure or a direct award a single tender is the procedure itself. The country is the one the notice gives for the winner.
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