The image features two women in a modern, bright setting, with one woman in the foreground slightly laughing and speaking while looking to the left, and the other in the background turned slightly away, with the background appearing out of focus, showing only their upper bodies.

Changing for the better.

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

Intro

For us, debt collection means taking responsibility – not only for the company’s own employees and clients, but also for consumers, society and the entire debt collection industry. In short, changing for the better.

Marwin Ramcke

Chairman of the EOS Group’s Board of Directors

Our four fields of action

To achieve change, we have defined four strategic fields of action in our Corporate Responsibility (CR) strategy. These are closely linked to the material topics identified in our materiality analysis:

Financial Sustainability

EOS advocates strong, binding industry standards and responsibility guidelines. We apply strict criteria when we price portfolio purchases and make other investments.

Learn more about Financial Sustainability

Responsible Collection

EOS stands for respectful and transparent treatment of defaulting payers and for solution-driven, sustained debt relief.

Learn more about Responsible Collection

Social Engagement

We take on social responsibility within the EOS Group by promoting diversity and inclusion, and in society through our own educational initiatives.

Learn more about our Social Engagement

Environmental Protection

As a part of the Otto Group, EOS contributes to the Otto Group’s climate protection strategy, that pursues the Paris Agreement goal of limiting global warming to 1.5 °C. Together we work on implementing targeted measures for climate protection.

Learn more about Environmental Protection

News and activities

From bronze to gold: Sustainability commitment earns top recognition

The EOS Holding’s dedication to sustainability has been recognized with the EcoVadis Gold Medal, a remarkable progression from the Bronze Medal achieved last year. This prestigious award underscores the company's strengthened Environmental, Social, and Governance (ESG) performance, placing EOS in the top 3% of companies in its industry and the top 5% worldwide, as assessed by EcoVadis. The assessment pertains to EOS Holding with a group assessment scope, the official recognition can be found here.

"Progressing from bronze to gold in just one year is a fantastic achievement that demonstrates the success of our sustainability strategy," says Marwin Ramcke, Chairman of the EOS Group's Board of Directors. "This Gold Medal is a recognition of the hard work of our entire team and motivates us enormously to continue pursuing our path of sustainable corporate governance and exceeding our standards."

View the official EcoVadis results

Sustainability strategy and goals

Materiality Heatmap

The EOS Materiality Heatmap

Materiality assessment process

The process of our materiality assessment

For our materiality analysis, we used the ESRS 1 long list and supplemented it with two company-specific topics. Taking into account our upstream and downstream value chain, we then identified (potential) impacts, risks, and opportunities (IROs). The Corporate Strategy, Growth & Transformation (CS) department, together with numerous specialist departments (e.g., Group HR and Group Governance), identified and assessed the IROs. An external consultancy was also involved in the process. To assess the impacts, the experts considered the severity and, for potential impacts, the likelihood of occurrence. To assess risks and opportunities, they considered the financial magnitude and the likelihood of occurrence. This process allowed EOS to establish a foundation for decision-making regarding the CR strategy and systematic sustainability reporting.

Our material topics

Climate change

Climate change mitigation

Own workforce

Equal treatment & equal opportunities for all

Customers and end-users

Information-related impacts & social inclusion

Governance

Privacy
Prevention & detection of corruption & bribery

Entity-specific topics

Financial literacy & social engagement
Financial sustainability

UN Global Compact

Since 2021, the EOS Group has been a signatory of the UN Global Compact, the world’s largest initiative for promoting sustainable and responsible corporate governance. EOS is committed to complying with the ten principles of the United Nations in the areas of human rights, labor standards, environmental protection, and anti-corruption.

Through our initiatives and measures addressing our material topics, we contribute to the achievement of eight of the 17 Sustainable Development Goals (SDGs) of the United Nations.

Material topics and SDGs

Additional material and content

A young Gen Z man peers anxiously out the window.

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.

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

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