• EOS Consolidated achieves successful result in financial year 2024/25 (EBITDA of EUR 460.8 million)
• Key success factors are high investments in debt purchases and strong operational performance
• Top ESG ratings: For the second year in a row, Morningstar Sustainalytics recognizes EOS as "Top Rated Industry" and "Top Rated Regional" (Consumer Finance sector), additionally the EcoVadis Bronze Medal

The EOS Group, a company of the Otto Group, recorded an excellent result in the financial year 2024/25. With an operating result (EBITDA) of EUR 460.8 million, the EOS Consolidated not only reached a new high but also demonstrated resilience and growth strength in a continuing challenging market environment. At the same time, the company's successful and sustainable actions are confirmed by ESG awards from renowned rating agencies.

The EOS Group is thus consolidating its position as the leading investor in non-performing loans (NPL) in Europe and as an expert in the processing of outstanding receivables. Marwin Ramcke, CEO, and Dr. Eva Griewel, CFO of the EOS Group, attribute this success to the great commitment of all employees and the international culture of innovation. "Our entrepreneurial mindset is our greatest source of motivation. I would like to express my sincere thanks to all our employees," emphasizes Ramcke.

"I am pleased that EOS has once again achieved another strong financial year despite a challenging economic environment. The EOS Group has once again demonstrated its market strength during the financial year through substantial portfolio acquisitions," adds Dr. Griewel.

The operating result (EBITDA) of EUR 460.8 million in the 2024/25 financial year (previous year: EUR 412.9 million) reflects the very good development of EOS Consolidated. A significant increase in investments in receivables portfolios and excellent operational processing of all acquired portfolios made a major contribution to growth. The investment volume rose to EUR 826.6 million in the reporting year. "We will continue to focus on the purchase of receivables portfolios in the future," explains Ramcke.

The consolidated revenue rose in all regions to EUR 1.1 billion. This represents a 5.6 percent increase compared to the previous year.

Central Europe, which includes the German market and other growth markets, is the region with the highest revenue share with a contribution of EUR 384.9 million (36.6 percent). "With the restructuring of the regions, we have strengthened international collaboration and leveraged synergies," says Dr. Stephan Ohlmeyer, Managing Director of the EOS Group and responsible for the region Central Europe.

Germany, one of the most important markets for the EOS Group, was able to strengthen its market position again. "This success is largely the result of an impressive team effort. Our courage and determination have been rewarded," Dr. Ohlmeyer continues. The region is also taking important technological steps: the planned introduction of the Kollecto+ collection system in Germany will significantly increase efficiency in receivables management. Another example of digital solutions is the new service portal from EOS in Switzerland, which enables defaulting payers to easily settle their debts via digital self-service.

The Eastern European region achieved a revenue increase of 7.6 percent and contributed EUR 369.2 million to consolidated revenue. "With the aim of finding fair solutions for defaulting payers and businesses, we have reinforced our market position in Eastern Europe," says Carsten Tidow, member of the Group’s Board of Directors and responsible for Eastern Europe.

The successes in Greece and Poland should be emphasized in particular. Thanks to many years of expertise, significant debt portfolios were acquired in Greece. In Poland, EOS succeeded in expanding its market position in a competitive environment through investments. Strategic partnerships such as the extended cooperation with the International Finance Corporation (IFC) in Bulgaria also strengthen its position in the co-investment sector.

Western Europe exceeded the previous year's revenue by 5.9 percent and contributed EUR 299.1 million to consolidated revenue. "The three pillars of our success in Western Europe is strong investments, operational and digital excellence, and trusting cooperation," comments Sebastian Pollmer, member of the Group’s Board of Directors and responsible for Western Europe.

The developments in Portugal and France are particularly noteworthy. In France, EOS succeeded in making a significant investment in a debt portfolio with a nominal value of over EUR 200 million.

But EOS is also demonstrating its future orientation in the area of digitization: The Kollecto+ collection system developed by EOS itself has already been implemented in eleven countries across the Group and was also rolled out in Belgium at the end of July. Robotic Process Automation (RPA) is already active in more than a dozen countries within the Group with over 140 bots.

The EOS Group not only demonstrates financial strength but also continues to place a strong focus on corporate responsibility. "Responsibility shapes all our activities. For example, in line with our Ethical Debtor Management Policy, we maintain a fair and respectful approach towards defaulting payers. However, this encompasses much more, as our ESG ratings demonstrate," explains Marwin Ramcke. At the beginning of 2025, the EOS Group was recognized by the renowned rating agency Morningstar Sustainalytics as "Top Rated Industry" and "Top Rated Regional" for its achievements in the area of environment, social affairs and governance. EOS also received the Bronze Medal from EcoVadis for the first time: "Evidence that we take sustainability seriously, and at the same time, a motivation for us to continue improving," says Ramcke.

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 smart services for receivables management worldwide. Its key target sectors are banking, real estate, telecommunications, utilities, and e-commerce. EOS employs more than 6,000 people and is part of Otto Group. 

For more information on the EOS Group, please go to: eos-solutions.com