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EOS Group.
Changing finances
for the better.

Annual and Sustainability Report 2024/25 Find out more.

We manage your receivables. Worldwide.

The EOS Group is a leading technology-driven investor in receivables portfolios and an expert in the processing of outstanding receivables. With over 50 years of experience and offices in more than 20 countries, EOS offers intelligent receivables management services worldwide.

The most important target sectors are banking, real estate, telecommunications, energy suppliers and e-commerce. EOS employs more than 6,000 people and is part of the Otto Group

We create win-win solutions that make your cash flow. So you can concentrate on what you're best at: your core business. Sounds good? Get in touch with our local companies.

To our local companies
Illustrated world map in green hues depicting EOS locations and partner countries

Annual and Sustainability Report 2024/25

In our Annual and Sustainability Report, we reflect on a successful financial year in which we courageously tackled new challenges. The report outlines the EOS Group’s principal activities and business highlights, along with its strategies for corporate, social, and environmental responsibility.

Read the complete report here

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EOS Studies –
This is knowledge.

Knowing what moves the economy and society: That is our claim for the market and consumer studies of EOS. Our studies, which we produce together with renowned market research institutes, offer exciting facts about customer payment behavior, payment methods, digitalization and the benefits of data.

To our EOS studies
Illustration of a head being filled with knowledge by different people.

We build on fairness.

Discover how EOS enables sustainable debt relief for consumers through ethical debt collection and respectful communication. Our principles of empathy and simple language are at the heart of our actions. Learn more about our initiatives and digital solutions that support people in financial distress.

Learn more about our ethical debt collection approaches.
Illustration of diverse people

Changing for the better.

We want to change things for the better. The EOS Group has defined its sustainability goals in our Corporate Responsibility (CR) strategy. It lends structure to our commitment and encourages us to act even more responsibly. 

To our CR strategy
EOS employee presents a topic to customers

Discover the Latest Updates from the EOS Group!

The CEO in a gray blazer and the CFO of the EOS Group in a blue blazer walk through a modern office. The space features large windows, a curved wall, and stylish hanging lamps.
Financial Investor Business Figures

EOS: Fiscal year 2024/25
Aug 13, 2025
4 min.
As a buyer and service provider in European receivables management, EOS combines success with responsibility. Marwin Ramcke and Dr. Eva Griewel provide insights into the 2024/25 fiscal year.
Learn more
Three male members of the EOS Group’s Board of directors are standing in business attire in front of elevators in a modern setting.
Financial Investor Non Performing Loans

EOS Group: Fiscal year 2024/25 by regions
Aug 13, 2025
5 min.
Successful fiscal year in all three regions: EOS Board members Carsten Tidow (Eastern Europe), Sebastian Pollmer (Western Europe), and Dr. Stephan Ohlmeyer (Central Europe) take stock.
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NPL Directive: EOS is working intensively on its implementation
Receivables Management Debt Purchase

EOS successfully implements provisions of the NPL Directive
Aug 12, 2025
5 min.
EOS shows how the provisions of the NPL Directive are being implemented locally by its national subsidiaries.
Learn more
Receivables management: The image shows an aerial view of the marble factory in Berkovitsa, surrounded by many trees in a valley. Due to EOS's commitment, the traditional company was preserved.
Receivables Management Debt Purchase

Creative receivables management secures marble factory's future
Jul 8, 2025
3 min.
An insolvent traditional company, a bold decision, and a happy ending: This is how EOS contributed with creativity and perseverance to securing around one hundred jobs.
Learn more
AI in debt collection: In this image, two professionals are collaboratively analyzing program code for automated processes on a large screen. The scene illustrates the practical application of Artificial Intelligence (AI) and Robotic Process Automation (RPA) in debt management – an example of digital transformation in receivables management.
Innovation & Trends Digitalization

AI and the future of debt collection
Jun 25, 2025
4 min.
How is AI reshaping the financial sector? In this interview, Dobrin Mirevski and Paul Baltag share their views on upcoming changes – from ethical automation to real-time decision-making.
Learn more
Portrait of a sitting mature businessman wearing a blue suit holding a white coffe cup
Secured receivables Unsecured receivables

Receivables as a burden? EOS creates space for banks.
Apr 23, 2025
3 min.
Are your receivables weighing down your balance sheet? EOS can take over your distressed assets. Tailored solutions from a single source, whether your assets are secured, unsecured or real estate.
Learn more
Young woman on her cell phone next to an EOS team member with headphones and two women talking
Innovation & Trends Corporate Responsibility

Plain language: Improving communication with consumers
Feb 25, 2025
3 min.
Plain language helps companies and consumers alike. In this interview, an expert in the field explains why that is so and why it is especially important in the debt collection segment.
Learn more
Fair debt collection: A middle-aged male debtor in an olive-colored jacket looks out the window with concern.
Receivables Management Corporate Responsibility

Fair debt collection: The person behind the debt.
Feb 15, 2025
4 min.
The central question in responsible debt collection is: How do we handle defaulting payers? As EOS demonstrates, there is more than one good answer to this question.
Learn more
Marwin Ramcke, CEO, standing in a blue suit, with his right hand in his trouser pocket, in a bright room.
Financial Investor Corporate Responsibility

Interview: EOS Board on the 2023/24 financial year
Aug 7, 2024
7 min.
The EOS Board on the 2023/24 financial year: How business has developed in the regions, why sustainability remains a key focus area, and how EOS is optimally prepared for the future.
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ESG: EOS has a clear agenda for environmentally conscious and socially responsible action. Corporate Responsibility experts see to it that the strategy is being implemented in the national companies.
Innovation & Trends Corporate Responsibility

ESG experts promoting sustainability at EOS internationally
Jul 31, 2024
4 min.
Commitment to strategy: Sustainability is becoming a success factor for financial companies. ESG experts at EOS are driving environmentally conscious and socially responsible action internationally.
Learn more
Innovation contest: The winning team presented artificial intelligence (AI) that can independently make and receive call center calls.
Innovation & Trends Digitalization

Innovation contest: When employees shape the future with AI
Jul 10, 2024
3 min.
Now for the third time, EOS was calling on its employees to take part in the innovation contest. The goal: promoting international collaboration and enhancing performance.
Learn more
Unsecured receivables: Image shows two people looking at an invoice together.
Debt Purchase Unsecured receivables

Unsecured receivables: How EOS stabilizes companies.
May 27, 2024
3 min.
Whether they are a bank, energy utility, telecoms or e-commerce firm, EOS helps businesses from a wide range of sectors to reliably plan ahead by purchasing their unsecured receivables.
Learn more
Kollecto+ is the digital collection system of EOS.
Receivables Management Innovation & Trends

Digital debt collection system: The success story of Kollecto+
Apr 30, 2024
3 min.
Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.
Learn more
CEO Vladislav Hadjidinev in a blue suit and Katerina Bosevska Managing Director of EOS North Macedonia in a light blue blazer standing next to each other in a office with a red wall
Debt Purchase Unsecured receivables

Uni Banka cooperates with EOS in receivables management.

Apr 8, 2024
3 min.
Win-win: EOS North Macedonia is taking on Uni Banka’s receivables management in the long term. The collaboration doesn’t just benefit the two companies but also the country’s economy.
Learn more
Headshot of Stephan Ohlmeyer, member of the EOS Board, and Jan Ottenbreit, Head of Division Central Europe.
Debt Purchase Unsecured receivables

New EOS region Central Europe: “We’re creating openness to new goals”
Mar 28, 2024
3 min.
Better knowledge transfer and greater openness to new business areas are what EOS aims to achieve with the new Central Europe region.
Learn more
IFC representatives visited the EOS Group in Hamburg, celebrating the cooperation in the Polish market and solidifying the commitment to sustainable investments.
Corporate Responsibility Debt Purchase

ESG criteria: EOS and IFC pursue sustainable portfolio acquisition
Mar 14, 2024
3 min.
In Poland and southeastern Europe, IFC (International Finance Corporation) and EOS apply strict ESG criteria covering social and environmental aspects when buying NPL portfolios.
Learn more
Illustration of woman in front of computer facing a robot
Receivables Management Innovation & Trends

RPA: Improving quality with software robots at EOS
Feb 27, 2024
2 min.
“Programmed revolution”: The EOS Group is optimizing its digital receivables management with robotic process automation, freeing up staff for more complex and creative tasks.
Learn more
Cybersecurity expert Janusch Skubatz, Chief Information Security Officer of the EOS Group, with brown hair and white shirt
Data Analytics Innovation & Trends

Not sure about generative AI? The balance between innovation and risk.
Feb 16, 2024
4 min.
Generative AI offers companies enormous potential. The Otto Group reduces these risks with its in-house ogGPT tool. The EOS Group also benefits from this.
Learn more
One illustration shows a robot or chatbot holding up various charts and texts, as well as several employees working on computers and asking the chatbot questions.
Innovation & Trends Digitalization

How generative AI is taking over routine tasks in the financial sector
Jan 19, 2024
3 min.
Already, generative AI can handle a lot of typical tasks in financial services companies. EOS is testing how chatbots can reduce employee workload even more and improve their efficiency.
Learn more
A survey reveals that AI potential is still not being exploited in the area of risk and finance
Data Analytics Innovation & Trends

Survey reveals: AI potential not being exploited in risk and finance.
Nov 27, 2023
2 min.
A survey reveals that generative AI like ChatGPT offers companies potential applications in numerous areas. In the area of risk and finance, it also harbors untapped potential.
Learn more
A photo shows a dilapidated building in Režanci, Croatia. A ‘stranded asset’ that EOS Croatia is putting back on the market.

Stranded assets: EOS creates solutions for unusable real estate.
Jul 26, 2023
2 min.
The number of unusable properties is growing, partly as a result of increasing requirements for sustainability. EOS is developing new areas of expertise to bring stranded assets like these back onto the market.
Learn more
A group photo shows the EOS Board of Directors (from left to right): Andreas Kropp (Germany), Justus Hecking-Veltman (CFO), Marwin Ramcke (CEO), Carsten Tidow (Eastern Europe) and Dr. Andreas Witzig (Western Europe).

2022/23 fiscal year: The Board of the EOS Group takes stock.
Jul 26, 2023
4 min.
In this interview, the members of the Board of the EOS Group talk about the positive developments in fiscal 2022/23, employees, diversity, and the responsibility of debt collection companies.
Learn more
Cybersecurity is a top priority for EOS. To achieve this the company is setting up an international protective shield.

EOS Group relies on cutting-edge technology for data protection.
Jul 26, 2023
2 min.
Using cutting-edge technology, EOS protects the data of customers and consumers from attacks by criminals. The new cyber-shield “Iron EOS” makes this an even faster and more efficient process.
Learn more
A man and a woman having a relaxed-looking conversation, as a symbolic image of a corporate culture where employees have autonomy.

Empowerment: How EOS attracts and retains employees.
Jul 26, 2023
3 min.
Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.
Learn more
A headshot shows Cristian Musat, Managing Director EOS Technology Solutions and the ‘brains’ of the Kollecto+ project.

Debt collection software: More efficiency thanks to standardized system.
Jul 26, 2023
2 min.
In the Kollecto+ collection system, all EOS companies pool their knowledge and experience, and in doing so improve the efficiency of the entire Group.
Learn more
A graphic shows several people communicating with each other through email, conversations, and letters.
Corporate Responsibility

How EOS makes debt collection responsible and fair.
Jul 26, 2023
3 min.
EOS stands for fair and respectful receivables management. The debt collection company accomplishes this with technology that simplifies processes for consumers and with trained staff.
Learn more
Financial literacy: Learning at an early age about how to handle money properly can protect people from excessive debt later on.
Corporate Responsibility

Financial literacy: How EOS is committed to improving financial skills.
Jul 26, 2023
4 min.
A lack of financial education can accelerate the path to excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs that aim to counter such developments.
Learn more
A photomontage shows a car traveling toward the sunset in the right lane of a paved road in an open, green landscape. The asphalt on the opposite lane is completely worn down.

International debt collection: EOS handles receivables management globally for Hertz.
Jul 24, 2023
3 min.
Cross-border receivables present both logistical and legal challenges. Car rental company Hertz relies on the expertise of EOS for its international debt collection.
Learn more
An illustration shows a man and a woman in business attire shaking hands. In the background is a globe with several locations pinned on it – and a stylized income statement.

International debt collection: How EOS processes receivables worldwide.
Jul 17, 2023
3 min.
EOS is active in 180 countries with its own companies or selected partners. Banks that regularly sell cross-border debts to EOS also profit from this network.
Learn more
An image illustrates the financial insecurity of women amid the crisis: A woman with a calculator looks at a bill and holds her head worriedly.

Study: Is money still ‘men’s business’?
Apr 5, 2023
3 min.
Who saves more, who makes decisions more confidently, and who has greater financial reserves? An EOS study reveals how differently men and women handle financial issues – and suggests possible reasons.
Learn more
Marwin Ramcke, CEO of the EOS Group

EOS CEO Ramcke in an interview: "I'm in the right place!"
Mar 22, 2023
2 min.
One year ago, Marwin Ramcke took the CEO position at the EOS Group. What were those first 12 months like for him? A look back gives insight.
Learn more
Tree planting campaign EOS France: A contribution to environmental protection.

Tree planting campaign EOS France: A contribution to environmental protection
Mar 20, 2023
1 min.
EOS in France is planting trees to aid reforestation. Read here how the campaign is reinforcing employee awareness of climate protection and contributing to a more sustainable future.
Learn more
Debt in Europe due to inflation: consumers having to tighten purse strings.

Study: One in five people is taking on debt as a result of inflation
Mar 14, 2023
4 min.
How have rising prices affected the financial situation of consumers? An EOS study reveals that many people have had to take on debt to compensate for inflation.
Learn more
Financial education for young people: Many young consumers feel financially insecure.

Survey reveals: Young people want more financial education.
Mar 14, 2023
4 min.
Do you think young people have no desire to deal with their own finances? As a recent survey shows, this is certainly not the case. The level of interest is great – as are their fears for the future.
Learn more
Portrait Dr. Saskia Dörr, Founder of WiseWay

What is Corporate Digital Responsibility and why is it important?
Feb 27, 2023
3 min.
Corporate Social Responsibility is no longer new. What may be new to you is Corporate Digital Responsibility (CDR). Read on to learn more about CDR, also known as “digital ethics”, influences how companies act digitally and how we as users interact with them and their services. To date, practicing CDR is voluntary, so why bother? Isn’t it just extra time and effort for the IT department?
Learn more
Andreas Kropp, member of the EOS Group’s Board of Directors responsible for Germany<br/>is smiling.

EOS appreciates centralization of debt collection supervision.
Feb 15, 2023
1 min.
Decided by the German Bundestag and a very pleasing step forward for the debt collection industry.
Learn more
Dariusz Petynka, successful Managing Director EOS Poland

EOS Poland: Clear competitive advantage through value in debt collection.
Nov 30, 2022
2 min.
In 2015, the Polish debt collection market was still in a crisis mood. In an interview, Managing Director Dariusz Petynka tells how he faced the situation and shares his insights.
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Record inflation threatens businesses: A rising curve.

Record inflation threatens companies.
Nov 16, 2022
3 min.
Record inflation and rising energy prices threaten the purchasing power of companies and their ability to invest: Here is how you can mitigate the effects.
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Representatives of the industry consult on the future of debt collection.

For fair debt collection: EOS engaging in associations
Oct 24, 2022
4 min.
EOS has joined forces with other debt collection service providers to form associations. Their aim: to provide a standardized framework of action for the industry that treats everyone involved fairly.
Learn more
IFC_EOS_Signing_Ceremony

Ariane Di Iorio and Vittorio Di Bello share market insights: IFC Experts in an interview.
Oct 12, 2022
2 min.
What is the current market situation of non-performing loans? How does the risk management of NPLs through ESG criteria work? And what is the aim of the cooperation between IFC and EOS? Ariane Di Iorio and Vittorio Di Bello from IFC provide insight on these questions.
Learn more
EOS Survey European Payment Practices: The drawing of a man surrounded by question marks and a thunderbolt illustrates that in the face of deteriorating payment practices, companies need to find new approaches to receivables management.

EOS survey: Poor payment practices are putting European companies at risk
Oct 5, 2022
4 min.
Many European companies are concerned about their survival, as a growing number of consumers and business customers are paying outstanding invoices late or not at all.
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EOS survey European Payment Practices: An illustration with a computer monitor on which two tasks are marked with an ‘x’ and have not yet been completed. Symbolizes lack of digitalization.

Survey: Firms missing out on pandemic-related digital boost in receivables management

Oct 5, 2022
3 min.
Survey reveals that companies have failed to digitalize their receivables management during the pandemic. What companies should do now to counter poor payment practices and repayment rates.
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