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Businessman holding EOS pen during a conversation about international receivables management, EOS cup on the table - Expertise in debt collection, NPLs, and digital solutions

Get to know us!

Because we manage your receivables. Worldwide.

EOS is your expert in receivables management.

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EOS Service Model
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EOS Service Model

The EOS Group is a leading international, technology-driven expert in receivables management with more than 6,000 employees in over 20 countries. For over 50 years we have helped companies with our operational expertise so they can focus on their core business. Our clients work in many different sectors, such as banking, energy utilities, real estate, mobility, insurance, telecommunications, and e-commerce.

We are part of the Otto Group, a globally operating e-commerce and service group. Internationally we invested in secured and unsecured debts, non-performing loan portfolios and real estate. In addition, as a fiduciary collection company, EOS helps companies - whether B2B or B2C - to keep their outstanding receivables low. With extensive expertise in foreign debt collection, we also manage receivables across borders in over 180 countries.

As a pioneer of digitalization in our industry sector, we stand for data-driven, AI-supported receivables management and smart services for the benefit of our clients, partners and consumers.

Our work goes beyond the core business. We are committed to working for the good of society and a better, sustainable future. With our Corporate Responsibility strategy we pursue the goal of "Changing for the better."

To our CR strategy

An overview of our business

Illustration of a lock

Secured debt purchase

EOS purchases from banks Non-Performing Loans (NPLs) secured by real estates. That helps banks lower their NPL rate.
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Unsecured debt purchase

EOS purchases companies' overdue receivables. By selling their receivables, companies reduce their default risk and transform outstanding receivables into liquidity.
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Fiduciary debt collection

As a service provider, EOS handles the collection of overdue debts. Thanks to its many years of experience in debt collection, EOS reduces outstanding amounts to a minimum and agrees to payment plans with clients' customers.
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Real estate exploration

EOS provides fiduciary support for the repayment of real estate-secured receivables and works out realistic payment plans with borrowers. In addition, EOS assists with asset realization by managing foreclosure sales or forced administration of real estate or, in some cases, by purchasing the property.

EOS Global Collection

Do you need a cross-border solution for your international receivables? We offer debt collection services in over 180 countries through more than 20 EOS subsidiaries and a selected network of partners. Are you interested?
Explore our global services
Illustrated world map in green hues depicting EOS locations and partner countries
Marwin Ramcke sitting on a bench and looking thoughfully outside the window. He has a mobile phone.

Every day, we change finances for the better—for our clients, partners and defaulting payers.

Marwin Ramcke
Chairman of the EOS Group's Board of Directors

The EOS Group's board of directors.

Portrait of Marwin Ramcke, Chairman of the EOS Group's Board of Directors in a bright room wearing a dark blazer
Eva Griewel facing the camera
Carsten Tidow standing in a bright room
Stephan Ohlmeyer leaning in a relaxed position against a bar chair.
Sebastian Pollmer leaning against a bar chair

Our purpose, heartbeat, vision, and claim are guiding us.

​​​​​​​Our claim: Changing finances for the better.

Everyday we make sure that the financial situation of our clients, business partners and customers is changed for the better. To achieve this, we are working on better ideas, better technology and a better understanding of data.

​​​​​​​Our vision: Global, technology driven, with entrepreneurial spirit.

The EOS Group is on the move. We embrace change. We look forward. Our vision reflects this. We are a globally connected financial investor driven by technology and entrepreneurial spirit.

​​​​​​​Our purpose: For a debt-free world.

This explains why we at EOS come to work every day. People take out loans for good reason. When someone cannot pay back their debts we show them a fair and realistic way to become debt-free. We are guided by our purpose, which shows us the way. It always applies, no matter what we do.

​​​​​​​Our heartbeat shows how we work.

The heartbeat of EOS represents our attitude, our mindset and the way we work together. The seven principles #Trust, #Walk your talk, #Love to learn, #Strive for excellence, #Embrace change, #Share your knowledge, #Be courageous come to life in our daily work.
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Code of Conduct

With our Code of Conduct, we are creating binding obligations for ourselves in respect of our day-to-day activities. The defined principles of conduct are a reliable reference point for our staff, customers and partners.
Read our Code of Conduct