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Financial standing and insurance evidence
What wins points
Providing up‑to‑date turnover figures, a solid assets‑to‑liabilities ratio and a valid professional risk indemnity insurance certificate demonstrates strong economic and financial standing, satisfying the MEAT assessment under Article 67.
What gets bids disqualified
Missing any of the required documents (turnover evidence, bank reference or insurance certificate) triggers exclusion under Article 57/58 and leads to immediate disqualification.
Evaluator's view
Check that the turnover relates to the contract’s subject area and that the insurance covers at least the percentage specified in the tender – evaluators first verify financial capacity before any price comparison.
Financial standing and insurance evidence
What this is
A set of documents proving that the economic operator has sufficient economic and financial capacity, including an appropriate level of professional risk indemnity insurance, as required under Article 58 of Directive 2014/24/EU.
When you need it
Required during the eligibility verification stage (pre‑award) for most public contracts. It is normally mandatory unless the tender expressly states otherwise.
How to fill it in
- Gather your latest annual accounts and turnover figures for the last fiscal year.
- Identify the portion of turnover that relates to the subject matter of the contract.
- Calculate the assets‑to‑liabilities ratio from the balance sheet.
- Obtain a bank reference or solvency statement confirming the above figures.
- Secure a professional risk indemnity insurance certificate covering the required amount (often expressed as a percentage of the contract value) and note its validity period.
- Attach the supporting documents (annual accounts PDF, bank reference PDF, insurance policy PDF).
Template
Financial Standing Evidence: - Annual turnover (last fiscal year): [EUR] - Turnover in contract's subject area: [EUR] - Assets/Liabilities ratio: [value] - Bank reference confirming solvency: [file/name.pdf] - Professional risk indemnity insurance certificate (coverage amount): [EUR], valid until [date]; insurer: [Name] Attachments: - Annual accounts (PDF) - Insurance policy document (PDF)
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