Sava Agent
Active · Limited liability companyDRUŠTVO ZA ZASTUPANJE U OSIGURANJU "SAVA AGENT" D.O.O. - PODGORICA
6622 · Activities of insurance agents and brokersPodgoricaFounded 2008
Account not blockedNot on tax debtor listsFilings completeNot in bankruptcy or liquidationCourt data not available
Key figures
2025
Total revenue · 2015–2025
992,954€2025. · +10.1% vs 2024
Click or tap a year to see its figures; drag across the chart to preview. Source: Tax Administration (IRMS) income statements.
Market position
By revenue · 2025Similar-sized peers
- 1Sava Agent993.0k€
- 2Investiciono Društvo Limit Prime Securities984.8k€
- 3Broker Ins653.3k€
- 4Am Capital579.3k€
- 5Insurance Financial Solutions542.7k€
- 6Status Broker524.2k€
Companies in the same activity or sector with a third to three times this company's revenue. The button next to one adds it to the comparison.
What else we know
Recent activity
All changes for this company →Event · 25 Aug 2026
Largest public payment
111.4k€
Event · 2025
Peak revenue
993.0k€
Event · 2015
First year in BizStats data
Event · 12 Feb 2008
Registered
Društvo sa ograničenom odgovornošću
Performance
Export CSVTotal revenue (2025)992,954€10.1% vs PY
Profit (2025)175,174€24.1% vs PY
Employees (2025)70.0% vs PY
Avg payroll cost per employee/mo (2025)1,543€-3.1% vs PY
Profit margin (2025)17.6%Profit / total revenue
2025
- Total Income
- 992,954€
- Profit
- 175,174€
- Employees
- 7
- Avg payroll cost per employee/mo*
- 1,543€
- Est. net pay
- 1,256€
- Income/Employee
- 141,851€
2024
- Total Income
- 901,833€
- Profit
- 141,137€
- Employees
- 7
- Avg payroll cost per employee/mo*
- 1,592€
- Est. net pay
- 1,232€
- Income/Employee
- 128,833€
2023
- Total Income
- 899,415€
- Profit
- 150,721€
- Employees
- 8
- Avg payroll cost per employee/mo*
- 1,258€
- Est. net pay
- 987€
- Income/Employee
- 112,427€
* Avg payroll cost per employee per month = wages, wage compensation and other personnel expenses from the income statement (AOP 211: net wages, taxes and contributions on wages including the employer's, and other personnel expenses) / employees / 12. It is not an employee's gross or net salary; reporting errors can move it significantly, and values below 300€ a month are not shown. How we calculate →
Estimated net pay applies the employee deductions in force in the filing year to the avg payroll cost per employee: pension 15% (2022–2023), 13.75% (2024: 15% until September, 10% from October) or 10% (from 2025), unemployment 0.5%, income tax of 9% on the part between 700€ and 1,000€ and 15% above it, and the local surtax of the company's municipality. The base also includes employer contributions and other personnel expenses, so the estimate is an upper bound. It is not shown for years before 2022, when different rules applied.
Against the Finance & insurance sector · 2025
This companySector medianProfit margin
17.6%median 6.2%
2.8× the median
20152025
Payroll cost per employee/mo
1,543€median 2,019€
24% below the median
20152025
Revenue per employee
141,851€median 53,571€
2.6× the median
20152025
Median of 85 companies in the sector that filed for 2025.
Position relative to the peer group
Source and methodology: Public financial filings, CRPS, CBCG, and eKatastar where available. Revenue, profit, employees, and payroll costs come from public financial filings; average gross pay and revenue per employee are derived metrics. Rankings are calculated by total revenue for the latest visible year.
Latest filing year: 2025 · Filing listing (IRMS): 19 May 2026
Risk signals
No registry flags- Risk flag
- No
- Account blocked
- No
- Tax debtor list
- No
- Missing annual statements
- No
- Forced-liquidation risk
- No
Source data as of: CBCG 30 Sept 2026 · Tax Administration 31 Mar 2025 – 30 Sept 2025 · IRMS 19 May 2026
Source: Central Bank of Montenegro, CRTR and monthly blocked-account snapshots.
Accounts and blocks
CBCGThis company's list of open accounts is not available on BizStats at the moment. Check it in the Central Bank's official CRTR registry.
Source: Central Bank of Montenegro, CRTR and monthly blocked-account snapshots.
Check in CRTR registryOfficial CBCG account registry. Enter PIB 02699893 in the search.
Court activity
sudovi.mesudovi.me has not been searched for this company yet (no stored results). No data here does not mean the company has no court cases.
BizStats has court data for 556 companies.Check hearings on sudovi.me
Public money
State payments
3.2m€
336 payments · latest 31 Aug 2026
State contracts and payments 2025 / revenue 2025
1.2%
11,540€ in contracts signed and state payments received in 2025 · Excluding pass-through payments (pensions, sick and maternity leave refunds): 1,801,705€
of which pass-through (pensions, sick and maternity leave refunds): 3,191,217€
Treasury payments by expense type
- Starosna penzija21 payments · refund2.1m€
- Invalidska penzija20 payments · refund567.5k€
- Porodicna penzija23 payments · refund527.0k€
- Zarada za redovan rad254 payments18.7k€
- Naknade zaposlenim invalidima rada II i III kateg18 payments · refund2.2k€
The largest expense types by amount. Sick-leave, maternity-leave and pension-garnishment refunds are not payments for goods or services.
State payments
data.gov.me, gov.meTotal received
3,209,924.57€
Payments
336
Latest payment
2026-08-31
Starosna penzija
423100100021 payments2,094,484.53€
Invalidska penzija
423200100020 payments567,506.47€
Porodicna penzija
423300100023 payments526,979.96€
Zarada za redovan rad
4111001000254 payments18,707.14€
Naknade zaposlenim invalidima rada II i III kateg
423400400018 payments2,246.47€
Source: State Treasury executed-payment ledgers from data.gov.me and gov.me. Company matching is based on payee name.
All payments to this payeeLinked by:name without legal form
Ownership at a glance
CRPS · 15 Jun 2026- AKCIONARSKO DRUŠTVO SAVA OSIGURANJE PODGORICA100 %
Ownership structure
CRPSCompany
DRUŠTVO ZA ZASTUPANJE U OSIGURANJU "SAVA AGENT" D.O.O. - PODGORICA
02699893
Company owners
1
Companies owned
unknown
Company owners
1
AKCIONARSKO DRUŠTVO SAVA OSIGURANJE PODGORICAlinked by name (CRPS does not publish the owning company's PIB; the link uses a registered name that belongs to exactly one company.)
- Relation
- Owner
- Share
- 100%
CRPS does not publish PIBs for company owners, so the number of companies this company owns cannot be determined reliably.
Source: CRPS persons in company and company shares, fetched 2026-06-15. Direct registry relationships only.
Authorized persons
CRPSPeople and roles in the current CRPS register. Historical financial filings do not establish current authorization.
Loading CRPS register…
Responsible persons · filing history
IRMSPersons listed as “Odgovorno lice” in financial filings, by reporting year. These are historical filing records, not confirmation of current CRPS authorization. The preparer is not shown.
- IRENA GOJKOVIĆ
Mentioned in reports: 2024–2025 Reports: 2
IRMS financial filings: years shown are reporting years, not appointment or authorization periods. Original names and source reports are preserved below.
- Source PDFIRENA GOJKOVIĆResponsible person · filing year 2025 · Filed 9 Mar 2026
- Source PDFIrena GojkovićResponsible person · filing year 2024 · Filed 3 Mar 2025
- Snežana Milović
Mentioned in reports: 2015–2023 Reports: 9
IRMS financial filings: years shown are reporting years, not appointment or authorization periods. Original names and source reports are preserved below.
- Source PDFSnežana MilovićResponsible person · filing year 2023 · Filed 25 Jan 2024
- Source PDFSnežana MilovićResponsible person · filing year 2022 · Filed 9 Feb 2023
- Source PDFSnežana MilovićResponsible person · filing year 2021 · Filed 3 Mar 2022
- Source PDFSnežana MilovićResponsible person · filing year 2020 · Filed 27 Jan 2021
- Source PDFSNEŽANA MILOVIĆResponsible person · filing year 2019 · Filed 12 Feb 2020
- Source PDFSNEŽANA MILOVIĆResponsible person · filing year 2018 · Filed 18 Feb 2019
- Source PDFSNEŽANA MILOVIĆResponsible person · filing year 2017 · Filed 8 Mar 2018
- Source PDFSNEŽANA MILOVIĆResponsible person · filing year 2016 · Filed 28 Mar 2017
- Source PDFSNEŽANA MILOVIĆResponsible person · filing year 2015 · Filed 29 Mar 2016