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EOS Group.
Changing finances
for the better.

Annual and Sustainability Report 2025/26 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
World map with EOS locations and partner countries Illustrated world map in green hues depicting EOS locations and partner countries

Annual and Sustainability Report 2025/26

In the 2025/26 financial year, the EOS Group once again delivered excellent results, confirming its strong position across Europe. Significant investments and a focus on sustainable business practices played a key role in this success. With resilience and innovative strength, EOS actively meets market challenges and helps shape the financial world responsibly and with a clear vision for the future.

Read the full 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
A young woman sits at a desk, working intently on a laptop, with a notebook and a cup beside her. The background is dark, and the focus is on the young woman.

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
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Discover the latest updates from the EOS Group!

Financial Investor European

Fiscal year 2025/26: EOS consolidates receivables management position
Jul 20, 2026
4 min.
Interview with Marwin Ramcke (CEO) and Dr. Eva Griewel (CFO): Whether unsecured or secured portfolios, EOS is one of the leading experts in European receivables management.
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Secured receivables Unsecured receivables

Fiscal year 2025/26: EOS bolsters market position in Western Europe
Jul 20, 2026
4 min.
Interview: Sebastian Pollmer, responsible for the Western Europe region, looks back on the fiscal year with a high degree of satisfaction: He shares insights into the most significant developments.
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Secured receivables Unsecured receivables

Fiscal year 2025/26: EOS grows in Eastern Europe
Jul 20, 2026
4 min.
EOS Consolidated is bolstering its market position in Eastern Europe with a slight increase in revenue and the acquisition of major portfolios. Carsten Tidow looks back on fiscal year 2025/26.
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Debt Purchase Unsecured receivables

Fiscal year 2025/26: EOS Group consolidates position in Central Europe
Jul 20, 2026
4 min.
Fiscal year 2025/26 proved demanding for Central Europe. Nevertheless, revenue was able to match the high level of the previous year. Dr. Stephan Ohlmeyer reflects on key developments and formative ex
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Non Performing Loans Debt Purchase

How portfolio valuation works in receivables purchasing
Jun 16, 2026
4 min.
Before submitting an offer, EOS thoroughly analyzes a receivables portfolio to understand its characteristics and determine a purchase price that is as fair as possible for the seller.
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Debt Purchase Unsecured receivables

Forward-flow agreements benefit everyone.
Jun 8, 2026
6 min.
Why do companies continuously purchase defaulted receivables from other businesses? We explain how the forward-flow business works – and why this is a successful solution for everyone involved.
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Digitalization Regulation

Responsible AI use: Explicit guidelines at EOS
May 10, 2026
6 min.
Binding policies and processes ensure that AI is used responsibly. Meike Fabian, Chief Compliance Officer at EOS, discusses the company’s AI corporate policy in an interview.
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Receivables Management Debts & Payments

EOS Study: Payment morale in Europe continues to decline
Apr 30, 2026
4 min.
Study: More and more companies in Europe are struggling with payment delays and uncollectibles – with serious consequences for liquidity and investments.
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Receivables Management Debts & Payments

EOS Study: Digitization in Dunning is Progressing Slowly
Apr 30, 2026
4 min.
Hesitant digitization in receivables management is slowing down companies. Survey "European Payment Practices" shows: Germany needs to catch up, while Spain, Romania, and Slovenia are pioneers.
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Receivables Management Debts & Payments

EOS study: Companies demand less bureaucracy
Apr 30, 2026
4 min.
How can payment discipline in Europe be improved? Companies’ top demands include less bureaucracy and more effective tools to recover outstanding payments.
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Debt Purchase Data Analytics

Debt purchasing: How EOS values unsecured NPL portfolios
Mar 26, 2026
4 min.
Before acquiring a receivables portfolio, EOS focuses on one key question: What is it worth? Malte Janzen and his team determine a fair purchase price using advanced technology and deep expertise.
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Secured receivables Unsecured receivables

Receivables as a burden? EOS creates space for banks.
Feb 24, 2026
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.
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Corporate Responsibility European

EOS focuses on early financial literacy education for Gen Z
Jan 29, 2026
4 min.
Gen Z is experiencing increasing financial insecurity. Through educational initiatives, EOS bolsters young people’s financial literacy and lays the groundwork for responsible money management.
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Real Estate Secured receivables

How EOS transforms real estate secured NPLs into long-term value

Dec 10, 2025
4 min.
EOS delivers lasting solutions for real estate secured NPLs, revitalizing distressed properties and transforming overlooked areas.
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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.
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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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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.
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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.
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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.
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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.
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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.
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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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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Stranded assets: EOS returns vacant real estate to sustainable use.
Jul 26, 2023
4 min.
Unusable properties are increasing, partly due to rising sustainability requirements. EOS is building new expertise to bring stranded assets like these back onto the market.
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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.
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Debt collection software: More efficiency with standardization.
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.
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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.
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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.
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Financial literacy: How EOS is committed to improving financial skills
Jul 26, 2023
4 min.
A lack of financial education can accelerate excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs to counter this.
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International debt collection: EOS manages receivables 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.
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Receivables Management

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.
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