Annual and Sustainability Report

About our Annual and Sustainability Report

In June 2024 the EOS Group celebrated its 50th anniversary. We began doing business in Germany in 1974 and have since become one of the top three receivables management experts in Europe. This report tells you what distinguishes us as EOS.

The home page contains the highlights of the past financial year, an interview with the EOS Group’s Board of Directors and a video with our highlights from 50 years of EOS. We put together key figures, financial insights and business results on the subpage “Our 2023/24 fiscal year”. On the page “Our responsibility 2023/24” you learn how EOS lives up to its corporate, social and ecological responsibility. The facts and figures in our report on environmental, social and governance aspects were prepared with reference to the standards of the Global Reporting Initiative (GRI): GRI Content Index Sustainability Report 2023/24.

Back to our anniversary: Employees share memories of 50 successful and eventful years on the subpages. Do take a look!

Our 2023/24 Report in brief

Digital and efficient: our specially developed debt collection software Kollecto+

More about Kollecto+

Fair debt collection: How we find solutions for defaulting consumers

50 years of EOS: Growing together since 1974

We look back on half a century during which we have continuously developed ourselves and our business. Our success story has been written jointly by our many different employees.

Our mission: Changing finances for the better

The EOS Group is a leading technology-based investor in receivables and real estate portfolios and an expert in processing outstanding receivables. With more than 50 years of experience and locations in more than 20 countries, EOS offers smart services related to receivables management. We embrace progress because we know that digital and automated processes make us better and more efficient. Every day we work with passion and dedication to our mission of changing the finances of customers and consumers for the better. Find out more about our values here. GRI 2-6

Expertise

We invest in NPLs

We purchase, analyze, and process receivables portfolios. Reducing the number of non-performing loans (NPLs) is essential for a stable economy and selling them to specialists such as EOS fosters growth. Banks and companies can concentrate on their core business, and capital is freed for new loans and investments.

Ilustración de una mujer trabajando con un portátil; de trasfondo se ve un ciclo compuesto por flechas

Internationality

We overcome borders

The strength of the EOS Group lies in its widespread presence in Europe, with companies in more than 20 countries. With international projects and by sharing best practices we continuously learn from one another and benefit from our Group’s diversity. Hereby we generate synergies and increase our innovative power.

Ilustración estilizada de un globo con varios alfileres de color rojo encima de diferentes países

Responsibility

The way we work is transparent and fair

For us, debt collection means assuming responsibility. Our commitment to operating ethically and sustainably has been embedded in our corporate responsibility strategy. We help consumers to settle their outstanding payments. We show them respect and offer individual processing through smart debt collection. Transparency, fairness and the highest service standards are among our central values.

Ilustración de dos personas dándose la mano.

A new lineup: Our Board of Directors

Junta Directiva del Grupo EOS (de izquierda a derecha: Sebastian Pollmer, Dr. Eva Griewel, Marwin Ramcke, Dr. Stephan Ohlmeyer y Carsten Tidow), en una estancia con mucha luz mirando a la cámara

More than 6,000 people work at EOS and each one of them contributes to our success. The Board of Directors represents our values externally and inspires internally. In 2023/24 Dr. Stephan Ohlmeyer and Sebastian Pollmer were appointed as new members of the Board. We have another new face in the current fiscal year as Dr. Eva Griewel assumes the post as CFO of the EOS Group as of August 1, 2024.

An interview with the EOS Board

The great analysis: Five members of our Board of Directors assess the results of the financial year, describe the highlights for the EOS Group and its regions and take a look at 2024/25. GRI 2-9

Read the interview

Retrato de Marwin Ramcke, presidente de la Junta Directiva del Grupo EOS, vestido con una americana oscura en una estancia con mucha luz

New in the crew: Our new members of the Board

No progress without change. Therefore, we are happy to have no fewer than three new members on our management team. Welcome aboard! GRI 2-9

‘Emotional intelligence is very important, and that’s something you learn a lot interacting with your children.’

Dr. Stephan Ohlmeyer

joined EOS in 2023 as part of the Board of Directors and assumed responsibility for the region Central Europe. He grew up in Hamburg, earned a Ph.D. in physics and moved to London early in his career, where he worked for renowned financial companies, such as Morgan Stanley and Goldman Sachs, for the past 25 years.

Shirt, Dress-Shirt, Adult, Male, Man, Person, Long-Sleeve, Belt, Face, Head

‘I’ve always been very curious about different cultures, different people and also about different perspectives.’

Sebastian Pollmer

is 40 years old, which makes him the EOS Group’s youngest member of the Board. He is responsible for the region Western Europe. Born in Hamburg, he has been part of EOS since 2016 and has already put his mark on the Group in various roles, for instance, when he established the secured receivables business.

‘As a board member, it’s always important to remember that your actions speak louder than your words. Leading by example is therefore a fundamental principle for me. It all starts with my behavior.’

Dr. Eva Griewel

is the first woman to join the EOS Board of Directors. She succeeds the longstanding CFO, Justus Hecking-Veltman. Neither her position nor our company are strangers to her: for the past few years she was the CFO at the Buss Group. She holds a Ph.D. in Economics and previously worked in the EOS Group for more than 10 years, including as Senior Vice President of the Division Management Western Europe.

Person, Sitting, Adult, Female, Woman, Face, Head, Smile, Blazer, Formal-Wear

For 50 years we have been experts in non-performing receivables.

We think and operate in innovative and responsible ways across borders. We focus on long-term success and sustainable profitability. Our approach paid off in the past fiscal year. Here are our highlights of financial year 2023/24. GRI 201-1

Revenue climbed 2.1 percent to EUR 997.3 million.

EUR million

In fiscal 2023/24 the EOS Group recorded EBITDA of EUR 412.9 million.

EUR million

412.9

Investment volume in receivables portfolios amounted to EUR 583.5 million in fiscal 2023/24.

EUR million

583.5

A total of 6,117 employees contributed to the successful financial year 2023/24

employees

6,117

EOS successfully settled 5 million debt cases in fiscal 2023/24, thus helping defaulted consumers.

million

Two decades of successful collaboration

For more than 20 years, the IT service provider Konica Minolta has handed over receivables to EOS in Germany. Consequently, it can concentrate on its basic business. Watch the video to find out how EOS has helped Konica Minolta optimize its receivables management.

50 years of EOS: We share memories

Fifty years of EOS. That means 50 years of passion, responsibility and changing things for the better. In our review format we present people who have been part of the successful journey. They tell us what makes EOS special.

‘In our Risk Management team we rate unsecured receivables portfolios before they are purchased. Together we have 150 years of experience. This is a major advantage, as most portfolios have a specific storyline which it is important to understand.’

Claus Wieland, Head of Risk Management, EOS Holding

Risk management: experience, curiosity, and math are key

How did it all begin? When Risk Management started out in 2003, only portfolios in Germany were analyzed, and gradually foreign companies were added. Initially every analyst assessed portfolios in all countries. Today we are more focused on specific country zones. With increasing expertise on the part of everyone involved, the close collaboration with the national subsidiaries has become more professional.

Business success in our industry sector depends on the right purchase decisions and assessments. Experience, curiosity, and the right blend of math, number crunching and communication are the key to success.

Retrato de Claus Wieland, director de Gestión de Riesgos, EOS Holding

‘I just wanted a summer job but ended up staying with EOS. That was more than 15 years ago.’

Dilyana Taneva, Sales & Marketing Specialist, EOS Bulgaria

The special EOS spirit

More than 15 years ago I was looking for a vacation job for the summer, and a fellow student recommended EOS to me. I just wanted to work for three or four months, until the start of the next semester. But it was a great atmosphere, my colleagues were super nice and the work was as interesting as it was challenging. So I stayed and combined my studies with my job until I took the exams for my degree. Since then I have collected lots of valuable experience—both in operations as well as in sales and marketing. This enables me to evaluate projects from multiple angles.

Retrato de Dilyana Taneva, directora de Corporate & International Collection, EOS Bulgaria

‘It’s great to see how we use our strengths and experiences in different countries and cultures to promote best practices and build a strong brand identity.’

Anthony Jenks, Managing Director of EOS Solutions, UK

In 2004 I started as Group Finance Manager at the Logic Group, which later became EOS Solutions UK. Collaboration within the EOS Group has increased enormously during my tenure here—and I greatly appreciate that the people I work with are really friendly, open-minded and professional. We are all proud to be part of such a forward-looking, international and industry-leading company.

Retrato de Anthony Jenks, gerente de EOS Solutions, UK

Our 2023/24 Report in brief

Our 2023/24 fiscal year

Read our Annual Report

Our responsibility

An interview with the EOS Board

Read the interview

Three questions for our new CFO

Watch the video

Digital and efficient: our specially developed debt collection software Kollecto+

More about Kollecto+

Fair debt collection: How we find solutions for defaulting consumers

Our Report is available as a PDF download

You can download the summary of the Report as a PDF file.

Our Annual and Sustainability Report 2023/24 (8.8 MB)

PDF Report

Disclaimer

Reporting period: March 1, 2023, until February 29, 2024
Last revised: August 2024

Annual and Sustainability Report

About our Annual and Sustainability Report

Our 2023/24 Report in brief

Our 2023/24 fiscal year

Our responsibility

An interview with the EOS Board

Three questions for our new CFO

Digital and efficient: our specially developed debt collection software Kollecto+

Fair debt collection: How we find solutions for defaulting consumers

50 years of EOS: Growing together since 1974

Our mission: Changing finances for the better

Expertise

Internationality

Responsibility

A new lineup: Our Board of Directors

An interview with the EOS Board

New in the crew: Our new members of the Board

‘Emotional intelligence is very important, and that’s something you learn a lot interacting with your children.’

‘I’ve always been very curious about different cultures, different people and also about different perspectives.’

‘As a board member, it’s always important to remember that your actions speak louder than your words. Leading by example is therefore a fundamental principle for me. It all starts with my behavior.’

For 50 years we have been experts in non-performing receivables.

Two decades of successful collaboration

50 years of EOS: We share memories

‘In our Risk Management team we rate unsecured receivables portfolios before they are purchased. Together we have 150 years of experience. This is a major advantage, as most portfolios have a specific storyline which it is important to understand.’

‘I just wanted a summer job but ended up staying with EOS. That was more than 15 years ago.’

‘It’s great to see how we use our strengths and experiences in different countries and cultures to promote best practices and build a strong brand identity.’

Our 2023/24 Report in brief

Our 2023/24 fiscal year

Our responsibility

An interview with the EOS Board

Three questions for our new CFO

Digital and efficient: our specially developed debt collection software Kollecto+

Fair debt collection: How we find solutions for defaulting consumers

Our Report is available as a PDF download

The companies that certify us

EOS Spain