Case C-18/24, NOVIS: Judgment of the Court (Fourth Chamber) of 22 January 2026 (request for a preliminary ruling from the Nejvyšší správní soud – Czech Republic) – NOVIS Insurance Company, NOVIS Versicherungsgesellschaft, NOVIS Compagnia di Assicurazioni, NOVIS Poisťovňa a.s. v Česká národní banka (Reference for a preliminary ruling – Freedom of establishment and freedom to provide services – Single insurance market – Directive 2009/138/EC – Principle of supervision by the home Member State – Article 155 – Competencies of the supervisory authorities of the host Member State – Cooperation with the authorities of the home Member State – Insurance undertaking not complying with the legal provisions applicable in the host Member State – Provisions concerned – Regulation (EU) No 1286/2014 – Packaged retail and insurance-based investment products (PRIIPs) – Directive (EU) 2016/97 – Insurance distribution – Powers of the supervisory authorities of the host Member State to penalise the undertaking concerned