Fiscal year 2025/26: EOS further bolsters its market position in Western Europe

For us, 2025/26 was a year in which the strategic decisions of recent years paid off. Despite a market environment that continues to be challenging, we not only maintained our market position but also expanded it further in a targeted manner, increasing revenue to EUR 318.9 million. We made substantial investments in receivables portfolios and achieved consistently strong performance in both smaller and larger markets. In total, we invested approximately EUR 383 million in secured and unsecured receivables. 

During the 2025/26 fiscal year, EOS Consolidated successfully maintained the high revenue level achieved in the previous year. Overall, consolidated revenue increased by 1.4 percent to EUR 1.1 billion.

We have made another leap forward in the area of digital payment processes. Through digital service platforms such as myEOS, we enable customers in arrears to manage their payment arrangements entirely online, without needing to contact EOS directly. Users can select from up to eight different payment methods or submit requests for individual payment arrangements. 

At the same time, it is extremely important to us that the increased use of technology in receivables management does not come at the expense of the human aspect. On the contrary, if used responsibly, technology can help us respond to customers in a more sensitive, personalized, and individual manner. 

For example, our web-based debt collection platform Kollecto+ allows us to temporarily pause the collection process for vulnerable consumers, giving them additional time and flexibility to stabilize their situation.  For us, having a structured process for vulnerable individuals, supported by our proprietary debt collection system, is not a secondary consideration, but an integral component of responsible receivables management.

Our experts collaborate across countries on innovative solutions designed to make our debt collection processes even more efficient. For example, at a Google Hackathon, our colleagues from Portugal and Hamburg developed an AI-based solution that can classify, summarize, and route incoming correspondence directly to our collection and financial systems. This solution reduces the administrative workload for our employees while simultaneously increasing operational efficiency across the entire Group. 

An important milestone over the past fiscal year was the rollout of Kollecto+ at our national subsidiary in Belgium. This extensive project was implemented through the commitment and expertise of our teams in Romania and Germany and reflects the close, trust-based international collaboration at EOS.  

I am also very pleased that we were able to bring on board outstanding individuals for the management team, Nicolas Schneider in Belgium, Jesper Dal Thrane in Denmark, and Saúl González in Spain, who are advancing the work in the national subsidiaries with great expertise and commitment, representing a huge step forward for the EOS Group. 

For me, successful international collaboration begins with a culture of openness. Only when people are willing to share perspectives and allow for different viewpoints can organizations unlock development potential and bring hidden talent across the organization to light. At the same time, this openness is the foundation for enhancing performance and motivation in a targeted manner while fostering a culture of appreciation and respect. I also believe it is important to lead by example and to consistently uphold the standards I expect from my team, thereby providing clear direction and guidance.

At the same time, I see it as my personal responsibility to support teams in developing their own leadership style – always in line with the wide-ranging cultural and organizational conditions that shape our international collaboration.