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All the news from the EOS Group at a glance.

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EOS Magazine

AI in debt collection: In this image, two professionals are collaboratively analyzing program code for automated processes on a large screen. The scene illustrates the practical application of Artificial Intelligence (AI) and Robotic Process Automation (RPA) in debt management – an example of digital transformation in receivables management.

Innovation & Trends Digitalization

AI and the future of debt collection

Jun 25, 2025

4 min.

How is AI reshaping the financial sector? In this interview, Dobrin Mirevski and Paul Baltag share their views on upcoming changes – from ethical automation to real-time decision-making.

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Portrait of a sitting mature businessman wearing a blue suit holding a white coffe cup

Secured receivables Unsecured receivables

Receivables as a burden? EOS creates space for banks.

Apr 25, 2025

3 min.

Are your receivables weighing down your balance sheet? EOS can take over your distressed assets. Tailored solutions from a single source, whether your assets are secured, unsecured or real estate.

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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.

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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 debtors? As EOS demonstrates, there is more than one good answer to this question.

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NPL Directive: EOS is working intensively on its implementation

Receivables Management Debt Purchase

EOS successfully implements provisions of the NPL Directive

Oct 10, 2024

5 min.

EOS shows how the provisions of the NPL Directive are being implemented locally by its national subsidiaries.

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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.

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Innovation contest: The winning team presented artificial intelligence (AI) that can independently make and receive call center calls.

Innovation & Trends Digitalization

Innovation contest: When employees shape the future with AI

Jul 10, 2024

3 min.

Now for the third time, EOS was calling on its employees to take part in the innovation contest. The goal: promoting international collaboration and enhancing performance.

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Unsecured receivables: Image shows two people looking at an invoice together.

Debt Purchase Unsecured receivables

Unsecured receivables: How EOS stabilizes companies.

May 27, 2024

3 min.

Whether they are a bank, energy utility, telecoms or e-commerce firm, EOS helps businesses from a wide range of sectors to reliably plan ahead by purchasing their unsecured receivables.

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Kollecto+ is the digital collection system of EOS.

Receivables Management Innovation & Trends

Digital debt collection system: The success story of Kollecto+

Apr 30, 2024

3 min.

Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.

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CEO Vladislav Hadjidinev in a blue suit and Katerina Bosevska Managing Director of EOS North Macedonia in a light blue blazer standing next to each other in a office with a red wall

Debt Purchase Unsecured receivables

Uni Banka cooperates with EOS in receivables management.

Apr 8, 2024

3 min.

Win-win: EOS North Macedonia is taking on Uni Banka’s receivables management in the long term. The collaboration doesn’t just benefit the two companies but also the country’s economy.

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Debt Purchase Unsecured receivables

New EOS region Central Europe: “We’re creating openness to new goals”

Mar 28, 2024

3 min.

Better knowledge transfer and greater openness to new business areas are what EOS aims to achieve with the new Central Europe region.

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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.

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Illustration of woman in front of computer facing a robot

Receivables Management Innovation & Trends

RPA: Improving quality with software robots at EOS

Feb 27, 2024

2 min.

“Programmed revolution”: The EOS Group is optimizing its digital receivables management with robotic process automation, freeing up staff for more complex and creative tasks.

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Cybersecurity expert Janusch Skubatz, Chief Information Security Officer of the EOS Group, with brown hair and white shirt

Data Analytics Innovation & Trends

Not sure about generative AI? The balance between innovation and risk.

Feb 16, 2024

4 min.

Generative AI offers companies enormous potential. The Otto Group reduces these risks with its in-house ogGPT tool. The EOS Group also benefits from this.

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Innovation & Trends Digitalization

How generative AI is taking over routine tasks in the financial sector

Jan 19, 2024

3 min.

Already, generative AI can handle a lot of typical tasks in financial services companies. EOS is testing how chatbots can reduce employee workload even more and improve their efficiency.

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A survey reveals that AI potential is still not being exploited in the area of risk and finance

Data Analytics Innovation & Trends

Survey reveals: AI potential not being exploited in risk and finance.

Nov 27, 2023

2 min.

A survey reveals that generative AI like ChatGPT offers companies potential applications in numerous areas. In the area of risk and finance, it also harbors untapped potential.

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A photo shows a dilapidated building in Režanci, Croatia. A ‘stranded asset’ that EOS Croatia is putting back on the market.

Stranded assets: EOS creates solutions for unusable real estate.

Jul 26, 2023

2 min.

The number of unusable properties is growing, partly as a result of increasing requirements for sustainability. EOS is developing new areas of expertise to bring stranded assets like these back onto the market.

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A group photo shows the EOS Board of Directors (from left to right): Andreas Kropp (Germany), Justus Hecking-Veltman (CFO), Marwin Ramcke (CEO), Carsten Tidow (Eastern Europe) and Dr. Andreas Witzig (Western Europe).

2022/23 fiscal year: The Board of the EOS Group takes stock.

Jul 26, 2023

4 min.

In this interview, the members of the Board of the EOS Group talk about the positive developments in fiscal 2022/23, employees, diversity, and the responsibility of debt collection companies.

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Cybersecurity is a top priority for EOS. To achieve this the company is setting up an international protective shield.

EOS Group relies on cutting-edge technology for data protection.

Jul 26, 2023

2 min.

Using cutting-edge technology, EOS protects the data of customers and consumers from attacks by criminals. The new cyber-shield “Iron EOS” makes this an even faster and more efficient process.

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A man and a woman having a relaxed-looking conversation, as a symbolic image of a corporate culture where employees have autonomy.

Empowerment: How EOS attracts and retains employees.

Jul 26, 2023

3 min.

Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.

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Debt collection software: More efficiency thanks to standardized system.

Jul 26, 2023

2 min.

In the Kollecto+ collection system, all EOS companies pool their knowledge and experience, and in doing so improve the efficiency of the entire Group.

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A graphic shows several people communicating with each other through email, conversations, and letters.

Corporate Responsibility

How EOS makes debt collection responsible and fair.

Jul 26, 2023

3 min.

EOS stands for fair and respectful receivables management. The debt collection company accomplishes this with technology that simplifies processes for consumers and with trained staff.

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Financial literacy: Learning at an early age about how to handle money properly can protect people from excessive debt later on.

Corporate Responsibility

Financial literacy: How EOS is committed to improving financial skills.

Jul 26, 2023

4 min.

A lack of financial education can accelerate the path to excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs that aim to counter such developments.

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A photomontage shows a car traveling toward the sunset in the right lane of a paved road in an open, green landscape. The asphalt on the opposite lane is completely worn down.

International debt collection: EOS handles receivables management globally for Hertz.

Jul 24, 2023

3 min.

Cross-border receivables present both logistical and legal challenges. Car rental company Hertz relies on the expertise of EOS for its international debt collection.

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An illustration shows a man and a woman in business attire shaking hands. In the background is a globe with several locations pinned on it – and a stylized income statement.

International debt collection: How EOS processes receivables worldwide.

Jul 17, 2023

3 min.

EOS is active in 180 countries with its own companies or selected partners. Banks that regularly sell cross-border debts to EOS also profit from this network.

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An image illustrates the financial insecurity of women amid the crisis: A woman with a calculator looks at a bill and holds her head worriedly.

Study: Is money still ‘men’s business’?

Apr 5, 2023

3 min.

Who saves more, who makes decisions more confidently, and who has greater financial reserves? An EOS study reveals how differently men and women handle financial issues – and suggests possible reasons.

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EOS CEO Ramcke in an interview: "I'm in the right place!"

Mar 22, 2023

2 min.

One year ago, Marwin Ramcke took the CEO position at the EOS Group. What were those first 12 months like for him? A look back gives insight.

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Tree planting campaign EOS France: A contribution to environmental protection

Mar 20, 2023

1 min.

EOS in France is planting trees to aid reforestation. Read here how the campaign is reinforcing employee awareness of climate protection and contributing to a more sustainable future.

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Debt in Europe due to inflation: consumers having to tighten purse strings.

Study: One in five people is taking on debt as a result of inflation

Mar 14, 2023

4 min.

How have rising prices affected the financial situation of consumers? An EOS study reveals that many people have had to take on debt to compensate for inflation.

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Financial education for young people: Many young consumers feel financially insecure.

Survey reveals: Young people want more financial education.

Mar 14, 2023

4 min.

Do you think young people have no desire to deal with their own finances? As a recent survey shows, this is certainly not the case. The level of interest is great – as are their fears for the future.

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Portrait Dr. Saskia Dörr, Founder of WiseWay

What is Corporate Digital Responsibility and why is it important?

Feb 27, 2023

3 min.

Corporate Social Responsibility is no longer new. What may be new to you is Corporate Digital Responsibility (CDR). Read on to learn more about CDR, also known as “digital ethics”, influences how companies act digitally and how we as users interact with them and their services. To date, practicing CDR is voluntary, so why bother? Isn’t it just extra time and effort for the IT department?

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Andreas Kropp, member of the EOS Group’s Board of Directors responsible for Germany<br/>is smiling.

EOS appreciates centralization of debt collection supervision.

Feb 15, 2023

1 min.

Decided by the German Bundestag and a very pleasing step forward for the debt collection industry.

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Dariusz Petynka, successful Managing Director EOS Poland

EOS Poland: Clear competitive advantage through value in debt collection.

Nov 30, 2022

2 min.

In 2015, the Polish debt collection market was still in a crisis mood. In an interview, Managing Director Dariusz Petynka tells how he faced the situation and shares his insights.

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Record inflation threatens businesses: A rising curve.

Record inflation threatens companies.

Nov 16, 2022

3 min.

Record inflation and rising energy prices threaten the purchasing power of companies and their ability to invest: Here is how you can mitigate the effects.

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Representatives of the industry consult on the future of debt collection.

For fair debt collection: EOS engaging in associations

Oct 24, 2022

4 min.

EOS has joined forces with other debt collection service providers to form associations. Their aim: to provide a standardized framework of action for the industry that treats everyone involved fairly.

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Ariane Di Iorio and Vittorio Di Bello share market insights: IFC Experts in an interview.

Oct 12, 2022

2 min.

What is the current market situation of non-performing loans? How does the risk management of NPLs through ESG criteria work? And what is the aim of the cooperation between IFC and EOS? Ariane Di Iorio and Vittorio Di Bello from IFC provide insight on these questions.

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EOS Survey European Payment Practices: The drawing of a man surrounded by question marks and a thunderbolt illustrates that in the face of deteriorating payment practices, companies need to find new approaches to receivables management.

EOS survey: Poor payment practices are putting European companies at risk

Oct 5, 2022

4 min.

Many European companies are concerned about their survival, as a growing number of consumers and business customers are paying outstanding invoices late or not at all.

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EOS survey European Payment Practices: An illustration with a computer monitor on which two tasks are marked with an ‘x’ and have not yet been completed. Symbolizes lack of digitalization.

Survey: Firms missing out on pandemic-related digital boost in receivables management

Oct 5, 2022

3 min.

Survey reveals that companies have failed to digitalize their receivables management during the pandemic. What companies should do now to counter poor payment practices and repayment rates.

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During an official ceremony on September 20, 2022, representatives of IFC and EOS formalized their collaboration on the purchase of NPLs and distressed real estate in Eastern Europe. Marwin Ramcke, Vittorio Di Bello, Carsten Tidow, Ariane Di Iorio

EOS and IFC join forces to purchase non-performing loans and distressed real estate.

Sep 20, 2022

3 min.

Sustainable financial sector: EOS and IFC are buying up non-performing loans and distressed real estate so that financial institutions in Bosnia and Herzegovina, Croatia, Serbia and Romania can improve their liquidity faster.

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Financial literacy means responsibility: A girl sits at a laptop and takes part in online learning.

How EOS is committed to a debt-free world.

Aug 8, 2022

5 min.

In order to curb excessive personal debt, EOS is taking responsibility and is committed to improving financial literacy in society.

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EOS in the UN Global Compact: At EOS, Sibylle Weingart is responsible for issues of corporate responsibility.

EOS in the UN Global Compact: Taking CR to the next level.

Jul 20, 2022

6 min.

Joining the UN Global Compact is helping EOS to devise a strategy for its corporate social responsibility. How can the goals of the initiative be applied to your own business?

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Technology highlights of the EOS Group: overview of all trends.

From analytics to security tools: The tech highlights of the EOS Group.

Jul 20, 2022

3 min.

Year after year, EOS invests in new technological trends. Four examples show how EOS clients, and consumers, can now benefit from these technologies.

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EOS Annual Report 2021/22: Secured debt purchase at EOS

Interview: “The secured receivables market is all about relationships”

Jul 20, 2022

6 min.

EOS has greatly expanded its expertise in the processing of non-performing secured loans in recent years. Experts from two EOS countries share their experiences and provide insights into two very different markets.

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cellular-telephone, push-button, switch, lighter, appliance

Identity theft: How machine learning protects against online fraud.

Jun 16, 2022

6 min.

When goods are ordered under a false name, retailers are often left with the costs. RISK IDENT has developed a software that uses artificial intelligence to put a stop to identity fraud in e-commerce.

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Innovation & Trends

The new EOS brand: Pioneering and more dynamic and digital.

Mar 1, 2022

3 min.

In this interview, CEO Marwin Ramcke talks about the mindset behind the brand and what it means for the company’s business partners.

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Portrait photograph of Marwin Ramcke, Managing Director of the EOS Group and responsible for the Eastern Europe region

Interview with new EOS CEO Ramcke: “We are going to set new benchmarks.”

Feb 1, 2022

4 min.

Marwin Ramcke leads the EOS Group as new CEO. In this interview he reveals his plans for the future and discusses the challenges he sees managers facing today.

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EOS Chatbot Survey: How employees and customers profit from AI

Nov 9, 2021

4 min.

Chatbots relieve employees of simple tasks – giving them more time for more complex customer issues and increasing their satisfaction.

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envelope, alarm, push-button, switch, clock

EOS 2021 Chatbot Survey: Two of three companies use bots.

Nov 9, 2021

5 min.

Nearly two thirds of European companies are already using chatbots – and this number is growing. But they are still leaving a lot of potential untapped.

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EU Action Plan NPLs: Freda Stockfleth, Senior Vice President Corporate Legal and Public Affairs at EOS

EU Action Plan: Will it accelerate NPL reduction and prevent a financial crisis?

Nov 1, 2021

4 min.

The EU has issued an action plan to reduce NPLs. In this interview, Freda Stockfleth explains what measures the EU has devised and the potential positive and negative effects for everyone involved.

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EOS is bringing debt-ridden properties back into the economic cycle

Oct 29, 2021

4 min.

In many cities around the world, buildings are lying empty and falling into disrepair. EOS is making sure that these properties can be used again. It’s a win-win scenario!

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International debt collection at EOS: Globally connected in COVID-19 crisis.

Sep 27, 2021

3 min.

The COVID-19 pandemic has made international debt collection even more challenging. The EOS partner network is a reliable point of contact during the crisis too – thanks also to an efficient IT platform.

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Corporate Responsibility at EOS: EOS CEO Klaus Engberding

Corporate Responsibility: Four actionable areas – one strategy.

Aug 30, 2021

11 min.

How can business practices improve the world? The corporate responsibility strategy of EOS consists of four actionable areas. Its motto: Changing for the better.

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EOS fiscal 2020/21: Interview mit Justus Hecking-Veltman

Fiscal 2020/21: “We’ve learned a huge amount this year.”

Aug 11, 2021

4 min.

In this interview, Justus Hecking-Veltman, CFO of the EOS Group, explains what makes EOS so resilient and how the company aims to exploit new opportunities after this exceptional year.

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Annual and Sustainability Report 2023/24

Very good results in challenging times: In its 50th anniversary year, the EOS Group looks back on a demanding and successful financial year 2023/24. All key figures, business highlights and exciting throwbacks to 50 years of EOS as well as achievements and highlights of the EOS Group's commitment to its social, societal and environmental responsibility can be found in this year's annual and sustainability report.

Read the whole report

EOS Studies - This is knowledge.

Knowing what moves the economy and society: That is our claim for the market and consumer studies of EOS. Our studies, which we produce together with renowned market research institutes, offer exciting facts about customer payment behavior, payment methods, digitalization and the benefits of data.

To our EOS studies