insurer asks about our expected annual turnover, which figure should I provide

Expected turnover is an estimate, not an annual figure

Provide the amount that appears in your own budget or forecast for this year, not last year's turnover. Insurers usually ask for this to determine premium or cover in liability or credit insurance: the larger the expected turnover, the greater the risk they are covering. If you do not have a formal forecast, an informed estimate based on turnover to date this year, possibly extrapolated to the rest of the year, is usually sufficient. An internal Excel overview or a forecast from your accounting software is sufficient evidence; an auditor's report is not required here.

Important difference with the question of creditworthiness: that concerns financial health now, this concerns an expectation for the future. Both questions often appear in the same list, but with a different type of evidence. If you already have a filed annual report with turnover figures from previous years, you can use that as a starting point and indicate what growth or decline you expect — check in case of doubt whether the annual report has already been filed with the trade register, because that figure can be objectively traced, unlike an estimate.

Why there is no fixed answer here

An expected turnover is by definition an estimate by the enterprise itself, not a figure that has been recorded like the data that the Trade Register Act 2007 requires to be registered. There is therefore no official source from which this figure automatically follows; it comes from your own administration or budget. Our system recognizes this question and prepares it with the last known amount from your chain file, but you confirm or adjust this before the answer is submitted — precisely because this is not a fact that we can verify, but an estimate that only you can make.