I am still perplexed at some of the detail. When you say "current surrender breakdown" do you mean now or just after the withdrawal? I thought you meant just after withdrawal but if you meant now that could explain things.
Yes, I think that explains things. The way I work it out is that your policy before the withdrawal in 2020 was as follows:
GV €42,920.88
EP €30,725.08
DET €3,978.81
If you had encashed the whole policy then your gross profit since the beginning would be GV+DET-EP = €16,174.61
41% of this would be €6,631,59 but since you had already paid €3,978.81 the deduction would be €2,652.78
So full net encashment value = €42,920.88 - €2,652.78 = €40,268.10
You wanted €10k net so you were encashing 10,000/40268 = 24.834% of your policy. Your GV, EP and DET would be reduced by that proportion which were €10,658, €7,630 and €988 respectively.
Since your EP are now €28,058.80 that suggests that you have paid €4,964 (28,058 -30725.08+ 7,630) premiums since your withdrawal.
Your GV has increased by €9,949 (42,212 - 42,920 + 10,658).
So your gross profit has increased by €4,985 and your net profit by €2,941.