Strong fiscal year 2025/26: Why EOS stands out in Europe.

Marwin Ramcke: We look back on a very successful fiscal year. Our figures clearly show that our strategy is working. Both EBITDA and revenue for the EOS Group increased once again, allowing us to further strengthen our position in Europe. We made targeted investments totaling EUR 1 billion last year, thereby achieving the second-highest investment volume in the history of the EOS Group after 2022/23.  This result reflects strong operational performance in receivables management, but above all the outstanding commitment of our employees. It was an exceptionally strong team effort, and I am very grateful for it.

Dr. Eva Griewel: Yes, absolutely. Operating across a wide range of markets makes our company more resilient and, particularly in light of current geopolitical challenges, ensures broader risk diversification. We successfully increased our receivables purchases from EUR 827 million in the previous year to investments totaling EUR 1 billion. Consolidated revenue also rose and stands at around EUR 1.1 billion. Key contributions to revenue came from Central Europe with EUR 376.2 million, followed by Eastern Europe with EUR 372.8 million and Western Europe with EUR 318.9 million. These figures highlight the success of our regional diversification strategy. 

At the same time, cohesion across the entire EOS Group remains a key factor in our success. Across all EOS companies, we see close cross-border collaboration among local experts. This allows us to continuously leverage synergies and develop solutions that can be implemented throughout the Group. 

Marwin Ramcke: Every market is important to us. Whether in smaller or larger markets, we continuously evaluate growth potential in the form of investments, new business solutions, or process optimization. At the same time, I would like to highlight the success achieved by our colleagues in France, Germany, Portugal, and Poland over the past fiscal year. In these countries, we were able to make significant investments and generate important growth impulses. 

We also made substantial progress in our smaller non-performing loan (NPL) markets, which contribute significantly to our overall success. We were able to acquire important portfolios particularly in North Macedonia, Slovakia, and Belgium. 

Marwin Ramcke: Our business model without technology? That would be unimaginable today. For us, technology is a key driver of speed and efficiency, such as through automation, intelligent document analysis, or the real-time provision of relevant information when defaulting payers get in touch with us. In such moments, our employees should be able to focus entirely on the individual. The use of AI opens up enormous opportunities for us and will play a decisive role in shaping the EOS Group in the years to come. In Romania, for example, we brought together 50 colleagues from eleven countries to develop new solutions aimed at delivering measurable performance improvements as part of an AI hackathon. At the same time, we continued to advance the rollout of Kollecto+, our in-house debt collection software. The system is already in use in thirteen countries. Alongside process optimization, IT security also remains a key priority for us. Our business demands a high level of responsibility in handling sensitive data. That is why continuously strengthening our IT security infrastructure is one of our top priorities. 

Dr. Eva Griewel: We have the expertise to professionally acquire and manage all distressed asset classes, from unsecured and secured receivables to real estate. In doing so, we reduce complexity for our partners and provide them with structured relief. This business is built on trust, which we have earned through decades of consistent and reliable action. The EOS Group is one of the most reliable players in the European NPL market. This is also reflected in our figures: over the past fiscal year, the EOS Group returned a total of more than EUR 2.2 billion to the economic cycle.

Marwin Ramcke: EcoVadis’ Gold medal confirms that we are on the right track and sends a strong signal to our partners. It demonstrates that we do not view sustainability as merely a mandatory topic, but as an important foundation for long-term business success. According to EcoVadis, EOS ranks among the top five percent of the world’s most sustainable companies and among the top three percent within our industry. At the same time, receivables purchasing and debt collection make an important contribution to the economic cycle and thus also to society. 

Marwin Ramcke: Our ambition is clearly defined: continuity and stability. We will further expand our role as one of Europe’s leading providers of receivables management. This means not only strengthening our top-three position in all established markets, but also achieving that position in markets where we have not yet reached it. The year 2026 will be challenging, but I am convinced that, together with the EOS team, we will master it successfully. We are ready!