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    • La encuesta de EOS muestra: gestores de deudas temen la pérdida de puestos de trabajo debido a la IA
    • Para una de cada tres empresas, la IA es una tendencia que está sobrevalorada
    • Falta de confianza en la inteligencia artificial en toda Europa

    A Coruña, 5 de Noviembre de 2019 – Las empresas europeas son escépticas con respecto a la inteligencia artificial (IA). Esta es una de las visiones de la encuesta representativa “European Payment Practices” 2019 realizada por el instituto de investigación Kantar en nombre del proveedor de servicios financieros EOS. Resultó que casi la mitad de los ejecutivos financieros encuestados creen que la IA es una amenaza para los empleos. La confianza en los sistemas inteligentes de autoaprendizaje es baja: solo una de cada 5 empresas puede imaginar depender totalmente de la inteligencia artificial en la gestión de deudas. El estudio encuestó a 3.400 empresas en 17 países europeos.

    La información es la clave para contrarrestar el escepticismo sobre la IA

    “Tal y como muestra la encuesta, existe un escepticismo generalizado en las empresas europeas con respecto al uso de la inteligencia artificial. La única forma de contrarrestar esto es a través de la sensibilización, porque aquellos que inmediatamente asocian la IA con la batalla entre el hombre y la máquina habitualmente no tienen suficiente información de base”, enfatiza Joachim Göller, jefe del Centro de Análisis de EOS Group. Göller y su equipo están trabajando en soluciones de IA que den soporte a EOS en la gestión de deudas. “Mi experiencia es que cuánto más se comprometan nuestros compañeros con el tema, más probable es que disminuyan sus prejuicios. Porque cuando usas herramientas de IA en tu trabajo diario, rápidamente se hace evidente que te ayudan a hacer tu propio trabajo y no son una amenaza.”

    Los europeos occidentales son algo más optimistas sobre el futuro

    La inquietud sobre la IA también se refleja en el hecho de que solo el 30 por ciento de los ejecutivos financieros encuestados asumen que la inteligencia artificial será un tema de tendencia en los próximos dos años, mientras que el 36 por ciento lo considera “completamente sobrevalorado”. Tal y como muestra la encuesta de EOS, las empresas de Europa oriental son en su mayoría más escépticas que las de Europa occidental. Por ejemplo, solo el 17 por ciento de los encuestados de Europa oriental pueden imaginar depender completamente de IA, en comparación con el 22 por ciento de Europa occidental. La ansiedad por la pérdida de empleos es también mayor en Europa oriental, donde el 49 por ciento piensa que la IA es una amenaza para los puestos de trabajo, una preocupación compartida por el 43 por ciento en Europa occidental. El mayor optimismo sobre IA se encuentra en Dinamarca, donde algo menos de un tercio de las empresas (la cifra más alta en Europa) pueden imaginar depender completamente de la inteligencia artificial en el futuro.

    Esperanzas en la reducción de tasas de error

    Aun cuando las empresas de Europa que respondieron a la encuesta son abrumadoramente escépticas, algunas sí ven el potencial que ofrecen las soluciones de IA. Por ejemplo, una cuarta parte ve los sistemas de autoaprendizaje como un componente necesario de la gestión de deudas. Y el 30 por ciento de los ejecutivos financieros asumen que la IA va a “reducir drásticamente” las tasas de error.

    En Europa hay una falta de desconfianza en la inteligencia artificial

    “Me imagino confiando completamente en la inteligencia artificial.”

    19%

    No puedo esperar a trabajar con inteligencia artificial en la gestión de deudas.”

    18%

    “El uso de inteligencia artificial en la gestión de deudas pone en riesgo los puestos de trabajo.”

    47%

    “La inteligencia artificial será un tema de tendencia en la gestión de deudas en los próximos dos años.”

    30%

    “la inteligencia artificial es solo una palabra de moda y está completamente sobrevalorada.”

    36%

     

    Por favor encuentre aquí más información en nuestra sección de noticias EOS. 

    Sobre la encuesta de EOS “European Payment Practices” 2019

    En asociación con el instituto de investigación de mercado independiente Kantar, EOS realizó entrevistas telefónicas con 3.400 empresas en 17 países europeos para preguntarles sobre la moral de pago vigente en sus respectivas localidades. En primavera de 2019, 200 empresas con una facturación anual de más de 5 millones en cada uno de los países, Bélgica, Bulgaria, República Checa, Croacia, Dinamarca, Francia, Alemania, Grecia, Hungría, Polonia, Rumanía, Rusia, Eslovaquia, Eslovenia, España, Suiza y Reino Unido respondieron preguntas sobre sus propias experiencias de pago y problemas actuales relacionados con la gestión de riesgos y deudas pendientes. La encuesta anual ha sido realizada por EOS no menos de 12 veces.

    Sobre EOS Group

    EOS Group es un proveedor internacional líder de servicios financieros personalizados. Como especialista en la evaluación y procesamiento de deudas, EOS implementa nuevas tecnologías para ofrecer a sus aproximadamente 20.000 clientes en 26 países seguridad financiera a través de servicios inteligentes. El negocio principal de la compañía es la compra de carteras de deudas unsecured y secured. Trabajando con una red internacional de empresas asociadas, EOS Group cuenta con una plantilla de más de 7.500 personas y más de 60 subsidiarias, por lo que puede acceder a recursos en más de 180 países. Sus principales sectores son la banca, los servicios públicos, el sector inmobiliario y el comercio electrónico. EOS es parte de Otto Group.

    Imprimir
    • Sólo el 49 por ciento de las empresas califica su grado de digitalización como alto o muy alto
    • Sólo el 17 por ciento tienen un sistema de reclamación totalmente digitalizado
    • El 55 por ciento apenas han digitalizado o solo parcialmente sus procesos de reclamación

    A Coruña, 23 de octubre de 2019 – La transformación digital de la industria europea es actualmente una imagen de dos mitades: mientras que la mitad de las empresas se dan así mismas altas calificaciones, la otra mitad solo obtienen una puntuación media para la digitalización en comparación con otros en el sector, o incluso se pueden considerar que tienen un nivel medio inferior de digitalización. Solo el 14 por ciento de los encuestados afirma que su empresa tiene un alto grado de digitalización, mientras que otro 35 por ciento califica su progreso como alto. Estas son algunas de las muestras de la encuesta representativa, “European Payment Practices” 2019, que encuestó 3.400 empresas de 14 países europeos.

    Sistemas de reclamación digital: la mayoría de las empresas están en una mala posición

    Tal y como muestra la encuesta, la mayoría de las empresas europeas (55 por ciento) aún necesitan ponerse al día cuando se trata de digitalizar sus procesos de reclamación. El 38 por ciento de las empresas tienen sus sistemas de reclamación solo parcialmente digitalizados, mientras que el 17 por ciento apenas han hecho nada para digitalizar esos procesos.

     

    Europa

    Sistemas de reclamación totalmente digitalizados

    17%

    Sistemas de reclamación altamente digitalizados

    24%

    Sistemas de reclamación semi digitales

    38%

    Apenas digitalizado

    17%

    El proceso de digitalización requiere una gran inversión económica

    “Tal y como muestran las cifras, más de la mitad de las empresas europeas encuestadas tienen margen de mejora con respecto a sus sistemas de reclamación digital. Existe una gran necesidad de acción en este ámbito para reducir los impagos”, enfatiza Justus Hecking-Veltman, Director Financiero de EOS Group. Un sistema de reclamación analógico manual no solo es susceptible de errores, sino que generalmente no llega al cliente por el canal de comunicación más adecuado, ni en el mejor momento posible.”

    El experto financiero considera que la razón principal del lento ritmo de la digitalización es la importante inversión necesaria para convertir los procesos de reclamación. “La introducción de herramientas y procesos digitales requiere una mentalidad adecuada, así como considerables recursos financieros,” dice Hecking-Veltman. “No todas las compañías se lo pueden permitir o quieren hacerlo. En EOS, por ejemplo, invertimos en el último ejercicio alrededor de 10 millones de euros en la actualización digital de nuestros sistemas de recobro.”

    Por favor encuentre más información en nuestra sección de noticias EOS.

    Sobre la encuesta de EOS “European Payment Practices” 2019

    En asociación con el instituto de investigación de mercado independiente Kantar, EOS realizó entrevistas telefónicas con 3.400 empresas en 17 países europeos para preguntarles sobre la moral de pago vigente en sus respectivas localidades. En primavera de 2019, 200 empresas con una facturación anual de más de 5 millones en cada uno de los países, Bélgica, Bulgaria, República Checa, Croacia, Dinamarca, Francia, Alemania, Grecia, Hungría, Polonia, Rumanía, Rusia, Eslovaquia, Eslovenia, España, Suiza y Reino Unido respondieron preguntas sobre sus propias experiencias de pago y problemas actuales relacionados con la gestión de riesgos y deudas pendientes. La encuesta anual ha sido realizada por EOS no menos de 12 veces.

    Sobre EOS Group

    EOS Group es un proveedor internacional líder de servicios financieros personalizados. Como especialista en la evaluación y procesamiento de deudas, EOS implementa nuevas tecnologías para ofrecer a sus aproximadamente 20.000 clientes en 26 países seguridad financiera a través de servicios inteligentes. El negocio principal de la compañía es la compra de carteras de deudas unsecured y secured. Trabajando con una red internacional de empresas asociadas, EOS Group cuenta con una plantilla de más de 7.500 personas y más de 60 subsidiarias, por lo que puede acceder a recursos en más de 180 países. Sus principales sectores son la banca, los servicios públicos, el sector inmobiliario y el comercio electrónico. EOS es parte de Otto Group.

    Imprimir
    • Ejecutivos financieros en toda Europa ven la seguridad cibernética y la protección de datos como las principales tendencias en los próximos dos años
    • Sólo un 28 por ciento ya están trabajando en cuestiones de ciberseguridad en la gestión de deudas
    • En Europa occidental son más activos en el tratamiento de la protección de datos que en Europa oriental

    A Coruña, 24 de septiembre de 2019 – Si pregunta a las principales empresas europeas sobre las tendencias en la gestión de deudas en los dos próximos años, la mayoría citarán temas de seguridad, independientemente de su país. El 52 por ciento otorga gran importancia a la protección de datos, y el 49 por ciento a la seguridad cibernética. Este fue uno de los resultados de la encuesta “European Payment Practices” 2019, que encuestó a 3.400 empresas en 17 países europeos en nombre del proveedor de servicios financieros EOS. Sorprendentemente, aunque la seguridad cibernética se considera un tema de tendencia en la gestión de deudas, solo el 28 por ciento de las empresas europeas que han participado en la encuesta han tomado alguna medida en esta área. En Europa occidental, cada tres empresas están abordando de forma activa este tema (33 por ciento), mientras que en Europa oriental solo una de cada cuatro (25 por ciento). Las empresas lo están haciendo un poco mejor en la mejora de la protección de datos. Sin embargo, a pesar del Reglamento General de Protección de Datos de la UE (RGPD), que entró en vigor en 2018, solo el 67 por ciento de las empresas de Europa occidental y el 55 por ciento de Europa oriental están abordando este tema de forma activa.

    Riesto de pérdida de ingresos debido a ciberataques

    “La encuesta muestra que muchos ejecutivos financieros siguen descuidando la cuestión de la ciberseguridad”, dice Gunnar Woitack, director de seguridad de la Información (CISO) de EOS Group. “Esto es negligente y puede conllevar pérdidas económicas significativas. Hay una gran necesidad de inversión en esta área.” Un estudio realizado por la consultora de gestión Accenture reveló que las empresas de todo el mundo podrían perder 5,2 billones de USD en los próximos 5 años como resultado de los ataques cibernéticos.

    La previsión de ataques de piratas informáticos aumenta la seguridad cibernética

    Para garantizar el mayor nivel de seguridad de datos en las más de 60 empresas de EOS en 26 países, Woitack contrata regularmente los servicios de hackers especializados de fuera de la compañía que escanean las defensas virtuales de EOS en busca de brechas. “Naturalmente es doloroso en ese primer momento en que los profesionales externos logran traspasar nuestras defensas en lo que se conoce como pruebas de penetración”, admite. Pero esta es la única manera de revelar nuestras vulnerabilidades potenciales y cerrarlas antes de que pueda ocurrir un robo de datos.”

    Las principales tendencias en la gestión de deudas en los próximos 2 años son …

      Europa Occidental Europa Oriental Total

    Medidas para mejorar la protección de datos

    51% 52% 52%

    ... Seguridad cibernética

    52% 47% 49%

    Tendencias ya implantadas …

      Europa Occidental Europa Oriental Total

    Medidas para mejorar la protección de datos

    67% 55% 60%

    ... Seguridad cibernética

    33% 25% 28%

     

    Por favor encuentre más información en nuestra sección de noticias EOS

    Sobre la encuesta de EOS Survey “European Payment Practices” 2019

    En asociación con el instituto de investigación de mercado independiente Kantar, EOS realizó entrevistas telefónicas con 3.400 empresas en 17 países europeos para preguntarles sobre la moral de pago vigente en sus respectivas localidades. En primavera de 2019, 200 empresas con una facturación anual de más de 5 millones en cada uno de los países, Bélgica, Bulgaria, República Checa, Croacia, Dinamarca, Francia, Alemania, Grecia, Hungría, Polonia, Rumanía, Rusia, Eslovaquia, Eslovenia, España, Suiza y Reino Unido respondieron preguntas sobre sus propias experiencias de pago y problemas actuales relacionados con la gestión de riesgos y deudas pendientes. La encuesta anual ha sido realizada por EOS no menos de 12 veces.

    Sobre EOS Group

    EOS Group es un proveedor internacional líder de servicios financieros personalizados. Como especialista en la evaluación y procesamiento de deudas, EOS implementa nuevas tecnologías para ofrecer a sus aproximadamente 20.000 clientes en 26 países seguridad financiera a través de servicios inteligentes. El negocio principal de la compañía es la compra de carteras de deudas unsecured y secured. Trabajando con una red internacional de empresas asociadas, EOS Group cuenta con una plantilla de más de 7.500 personas y más de 60 subsidiarias, por lo que puede acceder a recursos en más de 180 países. Sus principales sectores son la banca, los servicios públicos, el sector inmobiliario y el comercio electrónico. EOS es parte de Otto Group.

    Imprimir
    • Sólo el 28 por ciento de las empresas europeas ofrecen a sus clientes métodos de pago digitales
    • En promedio, se ofrecen cuatro formas de pago diferentes
    • El pago por móvil está ganando terreno, pero raramente se aceptan las criptomonedas

    A Coruña, 18 de septiembre de 2019 –En Europa, los métodos de pago digitales continúan desempeñando un papel menor, ya que solo el 28 por ciento de las empresas ofrecen a sus clientes opciones de pago digital, ligeramente por debajo del año anterior (2018: 29 por ciento). Mientras que en Europa occidental poco menos de un tercio (32 por ciento) ofrece a sus clientes esta opción, solo alrededor de una cuarta parte de las empresas en Europa oriental lo hacen (26 por ciento). Solo el 23 por ciento de las empresas europeas ofrecen transferencias online a través de proveedores externos, mientras que la disponibilidad de pago móvil es del siete por ciento y aumenta (en comparación con el cinco por ciento en 2018). Las criptomonedas continúan siendo un fenómeno de nicho y rara vez se aceptan como medio de pago. En promedio, a los clientes solo se les ofrecen cuatro métodos de pago diferentes. La encuesta encargada en nombre del proveedor de servicios financieros EOS encuestó a 3.400 empresas en 17 países europeos.

    En toda Europa, dominan los métodos de pago convencionales

    El método de pago más popular en Europa sigue siendo la transferencia bancaria tradicional, que lo ofrecen un 81 por ciento de todas las empresas. Le sigue el pago en cuenta (69 por ciento) y el pago por adelantado (50 por ciento). “Tal y como muestra nuestra encuesta, las empresas europeas siguen estando muy rezagadas en lo que respecta al uso de métodos de pago digital”, dice Klaus Engberding, CEO de EOS Group. En un entorno digitalizado, no será suficiente a largo plazo confiar únicamente en métodos de pago tradicionales. Las empresas deben adaptarse sistemáticamente a las necesidades del cliente y aumentar el número de opciones de pago posibles para no perder el tren. En EOS también verificamos regularmente qué métodos de pago son los más adecuados para cada país, de modo que los pagadores puedan saldar sus cuentas de una manera conveniente para ellos”. EOS Group está presente en 26 países en todo el mundo.

    Métodos de pago ofrecidos en Europa:

      2019 2018
    Métodos de pago tradicionales 100% 100%
    Transferencia bancaria 81% 82%
    Pago en cuenta 69% 64%
    Pago por adelantado 50% 52%
    Pago en efectivo/pago contra reembolso 42% 39%
    Débito directo 38% 29%
    Tarjeta de crédito 37% 32%
    Pago a plazos/financiación 31% 33%
    Tarjeta de débito 28% 26%
     
    Métodos de pago digitales 28% 29%
    Transferencias online a través de proveedores externos 23% 23%
    Pago móvil 7% 5%
    e-Wallets 4% 5%
    Criptomonedas 1% 1%

    “¿Cuál de los siguientes métodos de pago ofrece actualmente a sus clientes para liquidar sus facturas?” / Múltiples respuestas posibles.

    Por favor encuentre más información en nuestra Sección de noticas EOS.

     

    Sobre la encuesta de EOS “European Payment Practices” 2019

    En asociación con el instituto de investigación de mercado independiente Kantar, EOS realizó entrevistas telefónicas con 3.400 empresas en 17 países europeos para preguntarles sobre la moral de pago vigente en sus respectivas localidades. En primavera de 2019, 200 empresas con una facturación anual de más de 5 millones en cada uno de los países, Bélgica, Bulgaria, República Checa, Croacia, Dinamarca, Francia, Alemania, Grecia, Hungría, Polonia, Rumanía, Rusia, Eslovaquia, Eslovenia, España, Suiza y Reino Unido respondieron preguntas sobre sus propias experiencias de pago y problemas actuales relacionados con la gestión de riesgos y deudas pendientes. La encuesta anual ha sido realizada por EOS no menos de 12 veces.

    Sobre EOS Group

    EOS Group es un proveedor internacional líder de servicios financieros personalizados. Como especialista en la evaluación y procesamiento de deudas, EOS implementa nuevas tecnologías para ofrecer a sus aproximadamente 20.000 clientes en 26 países seguridad financiera a través de servicios inteligentes. El negocio principal de la compañía es la compra de carteras de deudas unsecured y secured. Trabajando con una red internacional de empresas asociadas, EOS Group cuenta con una plantilla de más de 7.500 personas y más de 60 subsidiarias, por lo que puede acceder a recursos en más de 180 países. Sus principales sectores son la banca, los servicios públicos, el sector inmobiliario y el comercio electrónico. EOS es parte de Otto Group.

    Imprimir
    • La moral de pago continúa mejorando, con el 81 por ciento de todas las facturas pagadas en plazo
    • Pero las perspectivas son más pesimistas que antes
    • Los consumidores son pagadores más fiables que los clientes comerciales

    A Coruña, 9 de septiembre de 2019 – La moral de pago en Europa ha seguido mejorando tanto en el segmento B2C como en el B2B, con el 81 por ciento de las facturas pagadas en plazo. Hace 5 años solo era el 75 por ciento. En Europa oriental, 4 de cada 5 pagos llegan a tiempo (80 por ciento); en Europa occidental el 83 por ciento. El pago puntual es especialmente alto en Rusia, donde el 89 por ciento de todos los créditos se pagan en plazo, seguido de Alemania (86 por ciento) y Dinamarca (85 por ciento). En Europa, Eslovaquia (76 por ciento), Bulgaria y Grecia (ambas con el 77 por ciento) están en la retaguardia. La encuesta representativa “European Payment Practices” 2019, realizada en nombre del proveedor de servicios financieros EOS, encuestó a 3.400 empresas en 17 países europeos.

    El panorama es pesimista - ¿las tendencias en la moral de pago están a punto de cambiar?

    A pesar de la tendencia positiva en la moral de pago, las empresas europeas están mirando de forma escéptica hacia el futuro. Solo el 22 por ciento espera una mejora significativa en la moral de pago en los próximos dos años; en 2018 la cifra fue del 24 por ciento. Por otro lado, el 15 por ciento de los encuestados espera que las cosas empeoren; esto es un incremento del dos por ciento en comparación con el año anterior. En Europa occidental, empresas de Alemania y Reino Unido son particularmente negativas sobre el futuro. En Europa oriental, son principalmente empresas de Rusia y Eslovenia las que asumen una tendencia adversa.

    “La encuesta confirma los muchos pronósticos económicos actuales: el estado de ánimo en la economía europea ya no es tan optimista como lo ha sido en los últimos años”, dice Klaus Engberding, CEO de EOS Group. “En el Reino Unido, un posible Brexit sin acuerdo está disminuyendo las expectativas, y en Alemania, la perspectiva económica negativa en particular está teniendo un impacto en la moral. Si las disputas comerciales globales siguen aumentando, se puede esperar una disminución en los niveles de pago en Europa ya el año que viene.”

    Cinco años de tendencia: se redujeron las condiciones de pago en Europa y mejoró la moral de pago ...

      2019 2014
    Plazo medio de pago 33 days 37 days
    Créditos pagados en plazo 81% 75%
    Créditos atrasados o irrecuperables 19% 25%

    … pero ¿cuánto tiempo continuará la tendencia?

      2019 2018

    “La moral de pago mejoró en general/significativamente en los próximos dos años”

    22% 24%

    “La moral de pago se deterioró en general/significativamente en los próximos dos años.”

    15% 13%

    La mayoría todavía prescinde del apoyo externo para la gestión de deudas

    En Europa, siguen siendo minoritarias las empresas que reciben apoyo profesional con su gestión de deudas. Solo cuatro de 10 compañías (42 por ciento) trabajan con proveedores de servicios externos para la recuperación de deudas. “Con vistas a un clima económico potencialmente deprimido, aquellas empresas que todavía no lo hacen, deberían profesionalizar en mayor medida la gestión de sus deudas y considerar trabajar con proveedores externos de cobros, para mantener estable su flujo de efectivo en caso de un posible descenso en el nivel de pagos”, dice Engberding.

    Los consumidores son pagadores más fiables que las empresas

    Tal y como muestra la encuesta EOS, las empresas europeas fijan a sus clientes un plazo de pago medio de 33 días; cinco años antes se les permitió cuatro días más. Mientras que en el 84 por ciento de los casos los consumidores y clientes privados cumplieron los plazos, sólo el 79 por ciento de las empresas lograron hacerlo. Los encuestados citaron que las principales razones para el retraso en los pagos fueron problemas de liquidez en el segmento B2C (57 por ciento) y en el segmento B2B, pagos pendientes de los propios clientes de un cliente (55 por ciento) y el uso de créditos de proveedores (51 por ciento).

    Por favor encuentre más información en nuestra sección de noticias EOS.

     

    Sobre la encuesta EOS “European Payment Practices” 2019

    En asociación con el instituto de investigación de mercado independiente Kantar, EOS realizó entrevistas telefónicas a 3.400 empresas en 17 países europeos para preguntarles sobre la moral de pago vigente en sus respectivas localidades. En primavera de 2019, 200 empresas con una facturación anual de más de 5 millones en cada uno de los países, Bélgica, Bulgaria, República Checa, Croacia, Dinamarca, Francia, Alemania, Grecia, Hungría, Polonia, Rumanía, Rusia, Eslovaquia, Eslovenia, España, Suiza y Reino Unido respondieron preguntas sobre sus propias experiencias de pago y problemas actuales relacionados con la gestión de riesgos y deudas pendientes. La encuesta anual ha sido realizada por EOS no menos de 12 veces.

    Sobre EOS Group

    EOS Group es un proveedor internacional líder de servicios financieros personalizados. Como especialista en la evaluación y procesamiento de deudas, EOS implementa nuevas tecnologías para ofrecer a sus aproximadamente 20.000 clientes en 26 países seguridad financiera a través de servicios inteligentes. El negocio principal de la compañía es la compra de carteras de deudas unsecured y secured. Trabajando con una red internacional de empresas asociadas, EOS Group cuenta con una plantilla de más de 7.500 personas y más de 60 subsidiarias, por lo que puede acceder a recursos en más de 180 países. Sus principales sectores son la banca, los servicios públicos, el sector inmobiliario y el comercio electrónico. EOS es parte de Otto Group.

    Imprimir
  • Un nuevo record en ingresos y EBITDA

    • Fuerte inversión en compras de deuda: otro paso para convertirse en un inversor financiero global
    • “Vamos a expandir en gran medida nuestro negocio de bienes inmuebles garantizados, además del de compra de deuda no garantizada.”

    Hamburgo, Alemania; 16 de julio de 2019 – EOS Group, con sede en Hamburgo, aumentó sus ingresos en el ejercicio 2018/19 en un 2,3% a 813,7 millones de EUR. Los beneficios antes de intereses, impuestos, depreciación y amortización (EBITDA) alcanzaron los 283,6 millones de EUR. En consecuencia, el proveedor internacional de servicios financieros personalizados, que pertenece a Otto Group obtuvo un nuevo récord en los dos indicadores clave del rendimiento. Una de las razones principales para el desarrollo positivo fue la gran inversión en la compra de carteras de deuda sin garantías y garantizada. EOS invirtió 668 millones de EUR en deudas y en bienes inmuebles en el último año fiscal y se está convirtiendo cada vez más en un inversor financiero global.

    Encuentre un resumen de los indicadores clave de rendimiento de EOS Group en nuestro informe anual online.

    Continúa sin cesar una gran inversión en adquisición de deudas

    “Estoy contento con este ejercicio tan satisfactorio,” dice Klaus Engberding, Presidente de la Junta Directiva de EOS. “Tanto por los ingresos como por las ganancias, una vez más logramos un nivel excepcional. A pesar de la armonización del ejercicio financiero del año anterior*, fuimos capaces de incrementar los ingresos de EOS Group. Esto es un claro indicador de nuestro crecimiento empresarial sostenible,” afirma Engberding. “Expandiremos en gran medida nuestro negocio de deudas con garantia inmobiliaria, además de la adquisición de deudas sin garantía. Con nuestras tecnologías basadas en datos, podemos evaluar y procesar de manera óptima las deudas, la base perfecta para continuar invirtiendo fuertemente en la compra de deudas en todo el mundo.”

    *En el informe del ejercicio 2017-2018 alrededor de 30 empresas EOS incluyeron 14 en lugar de 12 meses en los estados financieros consolidados de cierre de ejercicio.

    EOS Group está compuesto por más de 60 empresas en 26 países y emplea a más de 7.500 personas. A través de una red de socios, EOS ofrece servicios inteligentes entorno a 20.000 clientes en 180 países del mundo.

    Alemania sigue siendo el mercado EOS más importante

    Con una participación de alrededor del 42 por ciento de los ingresos consolidados, Alemania sigue siendo el mercado más sólido en términos de ingresos. En el ejercicio 2018/19 los ingresos por ventas aumentaron a 341,1 millones de euros. "A pesar de la agresiva competencia en precios, no solo fuimos capaces de incrementar nuestras inversiones en la compra de deudas en aproximadamente una cuarta parte, sino que también pudimos expandir nuestro negocio de gestión de impagados en un 18 por ciento", explica Andreas Kropp, miembro de la Junta Directiva de EOS Group y responsable del mercado alemán. "También aumentamos las inversiones en deudas aseguradas por bienes inmuebles y en bienes inmuebles pendientes de reestructurar. Nuestro inventario de bienes inmuebles casi se duplicó."

    Europa oriental con un incremento en deudas garantizadas

    En Europa oriental, EOS disfruta de máximos históricos: “Estamos muy orgullosos de nuestro resultado del último ejercicio en Europa oriental,” dice Marwin Ramcke, miembro de la Junta Directiva de EOS Group y responsable de esta zona. “Con 203,2 millones de euros, los ingresos superan los del año anterior en más del 10 por ciento. Las ganancias antes de impuestos también son mucho más altas que en el último período." Para ambos indicadores, EOS alcanzó el nivel más alto de la historia en esta zona. "Fuimos capaces de incrementar de nuevo nuestro volumen de inversiones en carteras de deudas fallidas. Especialmente en Polonia y Croacia, pero también en Rusia y Eslovaquia, se superó claramente el nivel de los años anteriores", comenta Ramcke. Se expandió en particular la inversión en deudas garantizadas; EOS está ahora activo en este campo en nueve países de Europa oriental. Ramcke: "Continuamos viendo excelentes oportunidades de crecimiento en este segmento y planeamos expandir este segmento de negocio a todas nuestras empresas de Europa oriental en el futuro".

    Crecimiento en Europa occidental y América del Norte

    Ajustado por un efecto único, los ingresos de EOS en Europa occidental mostraron un aumento. "Una de las razones de nuestro desarrollo positivo en esta zona fue la gran inversión en la compra de deudas," comenta Andreas Witzig, miembro de la Junta Directiva de EOS Group y responsable de las zonas de Europa occidental y América del Norte. "Así, por ejemplo, pudimos adquirir la cartera del prestamista hipotecario Crédit Immobilier de France con un valor nominal de 125 millones de euros. También en Austria y Suiza, estuvimos claramente por encima y en Bélgica ligeramente por encima del volumen planificado con nuestras inversiones en carteras de deuda". En América del Norte, EOS pudo registrar un aumento en los ingresos de un 10 por ciento.

    Sobre EOS Group

    EOS Group es uno de los principales proveedores internacionales de servicios financieros personalizados. Como especialista en la evaluación y procesamiento de deudas EOS implementa nuevas tecnologías para ofrecer a sus aproximadamente 20.000 clientes en 26 países seguridad financiera a través de servicios inteligentes. El negocio principal de la compañía es la adquisición de carteras de deudas garantizadas y sin garantías. Trabajando con una red internacional de empresas asociadas, EOS Group cuenta con una plantilla de alrededor de 7.500 personas y más de 60 subsidiarias, por lo que puede acceder a recursos en más de 180 países. Sus principales sectores son la banca, los servicios públicos, el sector inmobiliario y el comercio electrónico. EOS es parte de Otto Group.

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  • Hamburgo, Alemania, 3 de Julio, 2019 – Buenas noticias para el Grupo EOS: por 15ª vez consecutiva, EOS Holding, la matriz del inversor financiero internacional, recibió la calificación A de solvencia crediticia. Los auditores Eurler Hermes Rating confirmaron que EOS continúa presentando un riesgo financiero bajo. Los expertos en calificación mencionaron la alta estabilidad del cash flow de la compañía y el continuo y muy alto nivel de ganancias como razones fundamentales para la califacación. Los auditores esperan también un desempeño estable para los próximos 12 meses.

    Euler Hermes consideró que la larga experiencia de EOS en la valoración, adquisición y recuperación de deudas, su liderazgo en el mercado alemán y su sólida posición en los mercados de Europa occidental y oriental son factores especialmente positivos. EOS tiene más de 60 filiales en 26 países.

    “Estamos encantados de que los auditores hayan confirmado nuevamente el alto nivel y la estabilidad de nuestro poder adquisitivo, y que su informe enfatice específicamente nuestra amplia experiencia en la compra y recuperación de deudas” dice Justus Hecking-Veltman, miembro de la Junta Directiva del Grupo EOS y director financiero. “En el ejercicio fiscal 2018/19, invertimos 668 millones de euros en deudas y bienes inmuebles. Nuestro objetivo es volver a comprar carteras de deudas garantizadas y no garantizadas de esta magnitud durante el ejercicio fiscal actual.”

    Sobre el Grupo EOS
    El Grupo EOS es un proveedor internacional líder en servicios financieros personalizados. Como especialista en la evaluación y procesamiento de deudas, EOS implementa nuevas tecnologías para ofrecer a sus 20.000 clientes en 26 países seguridad financiera a través de sus servicios inteligentes. El negocio principal de la compañía es la compra de carteras de deudas con y sin garantías. Trabajando dentro de una red internacional de empresas asociadas, el Grupo EOS cuenta con una plantilla de alrededor de 7.500 empleados y más de 60 filiales, por lo que puede ofrecer recursos en más de 180 países. Sus principales sectores son la banca, los suministros, los bienes inmuebles y el comercio electrónico.

    Justus Hecking-Veltman, Chief Financial Officer, EOS Group
    Justus Hecking-Veltman, Director Financiero, Grupo EOS
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  • Hamburg, 29.05.2018 - The EOS Group is planning to sell Hamburg-based Health AG and Zahnärztekasse AG, which is located in Switzerland. The companies, both of which have a strong position in the market, offer potential buyers the ideal conditions for establishing a pan-European platform in dental factoring. In addition, the innovative practice management software "Hēa" will enable the development of new markets.

    'Our two companies are operating in future markets – healthcare and technology', says Klaus Engberding, CEO of EOS. 'To tap into additional business segments and new markets in the health sector we are now seeking the most suitable future owner to actively support the companies during their next growth phases.' With a factoring volume of around EUR 1 billion, Health AG and Zahnärztekasse AG, together, generate sales in the mid double-digit million Euro range.

    Sale by auction
    Health AG and Zahnärztekasse AG will be offered for sale together. The sale will be managed by means of a structured auction procedure and potential investors will be approached as of June 2018. Interested parties can submit a non-binding offer by the beginning of September. The completion of the transaction is planned for February 2019. In the past, strategic buyers and financial investors have shown great interest in Health AG and Zahnärztekasse AG. EOS has engaged investment bank Lazard (Frankfurt branch) to ensure an efficient sale process.

    Health AG
    Health AG, consisting of EOS Health Honorarmanagement AG and EOS Health IT-Concept GmbH, is a provider of financial and IT services for the health market. With more than 2000 customers it is one of the market leaders in German dental factoring. Moreover, thanks to its recently introduced practice management software Hēa, the company is now a frontrunner in the e-health segment: Hēa digitises, networks and simplifies all processes for the web-based management of dental practices with a focus on billing. Since its establishment in 2005, the company has evolved from a factoring start-up to an independent company providing financial and technology services.

    Zahnärztekasse AG
    Zahnärztekasse AG is a financial services provider in the health sector and with 1000 customers has become the market leader in the Swiss dental factoring segment. Its customised and modular based services, combined with an efficient IT infrastructure, relieves medical practice teams of administrative tasks and secures the liquidity of its clients. Since its foundation in 1963 the company has become established as a reliable partner to Swiss dentists.

    Contact for press and media:
    fischerAppelt, relations GmbH
    Email: eos@fischerappelt.de, Tel.: +49 40 899 699 347

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  • Majority of EU companies associate new European General Data Protection Regulation (GDPR) with even more data security in the receivables management segment / Companies report extra work above all in administrative and HR areas / More than 10 percent of EU companies not familiar with GDPR

    Hamburg, 22 May 2018 – Europe’s companies generally have a positive attitude to the EU General Data Protection Regulation (GDPR), despite the extra work involved. This is because more than two thirds (69 percent) of all European companies that rate the new regulation as relevant to them will benefit from greater data security in receivables management. This applies in particular to Spanish and Danish companies (each 78 percent); in Germany, on the other hand, the figure is 71 percent. These results were the outcome of a special analysis by the EOS Group on the impact of the new regulation in Europe. The survey polled 3,000 companies in 15 European countries. The analysis is part of the EOS Survey ‘European Payment Practices' 2018 conducted by independent market research institute Kantar TNS.

    GDPR: Only just over half of EU companies considers it relevant
    ‘The special analysis shows how important data security and data protection are for European companies,’ explains Kirsten Pedd, Chief Compliance Officer and Chief General Counsel of the EOS Group in Germany. ‘Nevertheless there are still companies that are not familiar with the GDPR at all. There is a risk that the regulation is being taken lightly.’ The EOS analysis shows that 11 percent of the EU companies polled have not known about the GDPR so far. A quarter of the companies surveyed (25 percent) are familiar with the regulation but think it is not very relevant or not relevant at all to their own business. Only just over half (57 percent) of companies polled consider the new regulation to be relevant to them.

    Extra work throughout Europe - espacially in the administrative and HR areas
    The 57 percent of EU companies that recognise that the GDPR is relevant to them also report that there is extra work involved, primarily affecting administration. As well as an increase in documentation obligations, around two thirds (69 percent) of companies say that there is more bureaucracy as a result of implementing the regulation and an increase in information obligations (65 percent). More than half of the companies (55 percent) also report an increase in the need for personnel resources. A total of 26 percent of companies even state that the GDPR could jeopardise their business model.

    Receivables management: companies well prepared
    ‘Although most experts for receivables management are prepared for the extra work that may be involved, they clearly associate the GDPR with more data security and data protection,’ concludes Kirsten Pedd. ‘Thanks to this clear awareness, companies are well prepared for the implementation of the regulation.’

    The GDPR applies to all EU companies from 25 May
    The GDPR is a regulation of the European Union that affects private companies and public bodies. The regulation has been in force since 25 May 2016, but all EU countries have to implement it from 25 May 2018. The objective of the regulation is to protect personal data within the EU and ensure free movement of data within the EU single market.


    About the EOS survey ‘European Payment Practices’ 2018
    In the spring of 2018, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,400 companies with a minimum of 20 staff and an annual turnover of at least €5 million about prevailing local payment practices, economic developments in their countries, and issues relating to risk and receivables management. The results presented here are part of a special analysis of the survey of 3,000 companies from 15 EU countries: Germany, UK, Spain, France, Belgium, Austria, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Slovenia, Poland and Greece.

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit: www.eos-solutions.com.

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  • Hamburg. Nine out of ten Germans feel bad if they cannot repay their debts. What is more, they feel much more obliged to pay back debts to relatives and friends than to an online retailer, for example. Just three percent of those polled would settle their bills with online sellers first. The 'EOS Debt Survey' 2017 shows that there are great discrepancies in the way Russians and US Americans feel about debt. In a representative online survey, financial services provider EOS and social research institute forsa compared the attitudes to debt of people in Germany, Russia and the USA.

    Little sense of obligation to repay online shopping debts
    29 per cent of Germans feel the strongest obligation to pay back debt to relatives, 28 per cent to friends or colleagues, and 26 per cent to a bank. Only six per cent feel the same kind of obligation towards a bricks-and-mortar store or service provider, and as little as 3 per cent towards online shops. 39 per cent of Germans would pay debts from internet shopping last. 'Especially in the context of Christmas trading, this is an important insight for retailers that sell their products online. It is therefore recommended that they establish a personal relationship as close as possible with the buyer, to keep the number of payment defaults to a minimum,' says Klaus Engberding, CEO of the EOS Group.

    'Personal debts' are an emotional burden
    At the same time, 91 per cent of Germans feel bad if they cannot settle debts. 'For Germans, finances are a very personal matter, so they generally find debts to be a burden. From our own experience, however, we also know that they generally try very hard to find a solution, if on occasion they don't have enough money to pay back debts,' says Klaus Engberding about the results of the EOS Debt Survey 2017.

    Different countries, different attitudes to debt
    Unlike Germans, only around three-quarters of people in Russia and the USA feel bad if they cannot pay back their debts. In those countries, the sense of obligation towards creditors known personally to the debtor is also lower: For example, 60 per cent of Russians and 48 per cent of US Americans would pay back debts to a bank first. In Russia only 13 per cent of people and in the USA 18 per cent have the strongest sense of obligation to pay back debts to relatives, on the other hand.


    About the ‘EOS Debt Survey’ 2017
    On behalf of the EOS Group, independent market and social research institute forsa conducted a survey of adults in three countries from 17 August till 4 September 2017. In online interviews, 2,017 people in Germany and 1,005 each in the USA and Russia were asked about their personal attitude to debt, their handling of debt and their own financial status. The results are representative of internet users aged between 18 and 69 in the respective country. In the survey, people are referred to as having debts if they are currently paying back one or several instalment loans, leasing agreements or a mortgage. Further results of the survey are available online at www.eos-solutions.com/debt-survey-2017.
     

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit: www.eos-solutions.com.

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  • Hamburg. 55 per cent of Russians are ‘debt avoiders’, ahead of Germans (45 per cent) and US Americans (37 per cent). The ‘EOS Debt Survey’ 2017 shows how people deal with debt differently depending on the country they live in. On behalf of financial services provider EOS, social research institute forsa conducted a representative online survey in Germany, the USA and Russia. It identified five different types of debtor: The ‘careless debtor’, the ‘debt junkie’, the ‘occasional debtor’, the ‘mortgage debtor’ and the ‘debt avoider’.

    The figures: Debtor types compared by country
    Although ‘debt avoiders’ are in the relative majority in all three countries, there are distinct differences in the second-placed categories:

    Typical for Germany is the ‘mortgage debtor, who does not like to take on debt on principle but often does not regard a loan to buy property as real debt. The ‘mortgage debtor’ comes in second place in Germany at 36 per cent – a remarkable level compared with the other countries, especially as this figure has risen by as much as 10 percent points in Germany since 2015. ‘The stable economic conditions in Germany and low interest rates are allowing many Germans to realise their dream of owning a home. However, compared with US Americans, for example, we are more cautious here in Germany and reluctant to take on further debt’, explains Klaus Engberding, CEO of the EOS Group.

    ‘Careless debtors’, who service several loans at once, actually come in second place in the USA at 29 per cent, only just behind the top position – but this figure has gone up by nine per cent points since 2015. Professor Manfred Güllner, founder and Managing Director of forsa, explains the background:
    ‘Americans have a strong reliance on credit. But at the same time, due to the lack of state insurance cover in the health system and a partially fee-based education system in the USA, there is also a great necessity to take on debt’.

    In Russia, on the other hand, the second most frequent type is the ‘occasional debtor’, at 27 per cent. Accordingly, every fourth Russian finds debt to be an emotional burden, but is still prepared to take out instalment loans in emergency situations. Because of the low rate of home ownership, mortgage loans only play a subordinate role in Russia. ‘In the ‘Putin era’, the economic situation in everyday life is relatively stable, albeit at a low level for many people. Our figures therefore show little change in the last two years’, says Professor Güllner. Klaus Engberding sheds light on the significance of the results for EOS: ‘The survey makes social and cultural differences transparent. For us as a financial services provider this offers the ideal basis for a better understanding of debtors worldwide and helps us find solutions that are in the interest of all participants’.


    About the ‘EOS Debt Survey’ 2017
    On behalf of the EOS Group, independent market and social research institute forsa conducted a survey of adults in three countries from 17 August till 4 September 2017. In online interviews, 2,017 people in Germany and 1,005 each in the USA and Russia were asked about their personal attitude to debt, their handling of debt and their own financial status. The results are representative of internet users aged between 18 and 69 in the respective country. In the survey, people are referred to as having debts if they are currently paying back one or several instalment loans, leasing agreements or a mortgage. Further results of the survey are available online at www.eos-solutions.com/debt-survey-2017.

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit: www.eos-solutions.com.

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  • Hamburg. 78 per cent of Germans have had debts before. And seven per cent of Germans know the feeling of not being able to repay debts. The ''EOS Debt Survey" 2017 shows that Germans are becoming more reticent about taking on debt. Almost nine out of ten Germans (88 per cent) for example, say that they want to keep their debts to a minimum – that is as much as nine per cent more than in 2015. In the USA and Russia this was stated by 67 and 76 per cent of respondents respectively. "What is astonishing is that particularly in Germany, where the economic situation is very good at the moment, there is a mood of reluctance to get into debt. Periods of stable income and the current interest rate situation worldwide actually present the best conditions for making major investments and paying instalments on time,'' says Klaus Engberding, CEO of the EOS Group, by way of analysis. These facts represent the basic results of the second "EOS Debt Survey" 2017, a representative online poll that was conducted on behalf of financial services provider EOS by social research institute forsa.


    The emotional "debt account"
    Not being able to pay back debts makes people feel bad. This was the experience of nine out of ten Germans (91 per cent), but only three out of four Americans and Russians (76 per cent). This result has gone up by as much as seven per cent in Germany since the first EOS Debt Survey in 2015. Only four per cent of Germans – that is a decrease compared to two years ago – are in favour of taking on debt if they have no money. Nevertheless, only three per cent of Germans would get into debt in order to pay for vacations. For 17 per cent of Russians and Americans, however, this would not be a problem.


    Self-image versus the way others see us: "I'm conscientious, others are reckless!"
    What attitude do Germans have to their own debts – and those of others? Three out of four respondents (73 per cent) assume that nowadays a lot of people have debts. A look at the facts, however, shows that around half of Germans (51 per cent) are currently paying back debts. Anyone who has at some point had difficulties repaying debts usually gave the main reason for this as losing their job (29 per cent) or over-extending themselves financially (24 per cent, in Russia 44 per cent and in the USA 24 per cent). When asked about the general situation in society, however, nine out of ten Germans (89 per cent) believe that the reason for payment difficulties is overextending oneself financially (in Russia 54 per cent and in the USA 48 per cent). Around two thirds of Germans (63 per cent) describe themselves as only taking on debt in absolute emergencies (in Russia 75 per cent and in the USA 40 per cent). "Germans only rarely have problems paying back debt but they assume that their fellow citizens are reckless and take on debt a lot,'' comments Professor Manfred Güllner from forsa. "But one would actually do better to trust one's fellow citizens to generally do the right thing in respect of financial matters."


    Germans dream of owning their own homes – but then buy a car
    In their own estimation, Germans are most likely to take on debt to buy residential property (82 per cent). The purchase of a car or motorcycle comes in third place at 56 per cent. But in reality, 60 per cent of Germans are currently paying off loans, or have done so in the past, for a car or motorcycle – while only about every second has done so for the purchase of real estate (45 per cent). If you leave out mortgages, every third German (33 per cent) is currently paying back debts. Of these, 55 per cent are servicing just one loan, 30 per cent two loans and 14 per cent three or more loans. "The survey confirms our experience that most people generally behave responsibly as far as financial matters are concerned. We basically assume that the vast majority of consumers would like to pay their bills on time, but are sometimes simply unable to do so due to short-term or long-term problems,'' concludes Klaus Engberding, CEO of the EOS Group.


    About the “EOS Debt Survey” 2017
    On behalf of the EOS Group, independent market and social research institute forsa conducted a survey of adults in three countries from 17 August till 4 September 2017. In online interviews, 2,017 people in Germany and 1,005 each in the USA and Russia were asked about their personal attitude to debt, their handling of debt and their own financial status. The results are representative of internet users aged between 18 and 69 in the respective country. In the survey, people are referred to as having debts if they are currently paying back one or several instalment loans, leasing agreements or a mortgage. Further results of the survey are available online at www.eos-solutions.com/debt-survey-2017.
     

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit: www.eos-solutions.com.

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  • Hamburg. German companies are falling behind when it comes to digitalising their dunning processes. So far, only three per cent of companies in Germany have completely electronically upgraded their dunning and billing systems. At present, one third of companies doubt that digitalisation has a beneficial effect on payment collection. A misconception, as demonstrated by a look at the rest of Europe, where 18 per cent of companies have already completely digitalised their dunning processes – and are reaping the benefits of a better repayment rate, according to 49 per cent of respondents. These were some of the findings of the representative EOS Survey ‘European Payment Practices’ 2017, which was conducted this year for the tenth time (by Kantar TNS, formerly TNS Infratest).

    The status quo of Europe's modern receivables management
    Digital dunning means that companies set up and manage dunning processes to be customer-specific and highly automated, for example using big data analyses. Although for the most part companies continue to use software to support the dunning process, staff are often still intervening in the process themselves. In future, the role of employees will change as a result of digitalised processes. Their daily work routine will consist of control tasks and the processing of specific complex cases, instead of a series of individual activities along the entire process chain.
    In Western Europe in particular, companies have already responded to the benefits of digitalisation and have adapted their dunning processes accordingly. Every fifth company here is already exploiting the benefits of a digital dunning system. The trailblazers are Spain (58 per cent), Switzerland (53 per cent) and Hungary (53 per cent).

    German companies sceptical about digitalisation
    European companies are recognising the signs of the times and are increasingly introducing digital processes into their dunning systems. Their expectations of the benefits range from saving time (43 per cent), improved planning of resources (34 per cent), better customer-specific receivables processing (36 per cent) and more automated processes (36 per cent). With the exception of Germany, where only 33 per cent of companies believe digital processes improve outcomes. Across Europe, on the other hand, every second company is confident that a modernised dunning process further reduces payment delays.

    Klaus Engberding, CEO of the EOS Group, conjectures: ‘One of the reasons for the scepticism may be that German companies have the lowest rate of payment defaults and so do not see the need to change their collection processes’. But Engberding cautions against continuing to neglect the digitalisation of the dunning system. ‘Companies have to open their eyes to the necessity of digitalisation so they do not fall behind and give money away’.


    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Poland, Russia and Greece answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management. Further results from the survey can be found online:
    ( Verlinkung noch nachtragen http://www.eos-solutions.com/paymentpractices2017/digitalisation)


    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

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  • Hamburg. The Greek economy is still Europe's underachiever. As recently as this July, the International Monetary Fund (IMF) announced that it would be supporting Greece with another EUR 1.6 billion; however the situation remains precarious in respect of payment defaults. Because in many cases, Greek companies are not able to absorb the resulting hole in their budget. The result is potential insolvency. In a total of 28 per cent of the Greek companies polled, payment delays and defaults put the company's viability in jeopardy – in no other country in Europe is this correlation so strong. In Western Europe, British companies in particular are struggling with the impact of late and unrecoverable payments. As a result, almost every fourth company in the United Kingdom (24 per cent) has to fear for its very existence. These are some of the findings of the EOS survey ‘European Payment Practices’ 2017, which was conducted this year for the tenth time (by Kantar TNS, formerly TNS Infratest).

    Countries in crisis – but no widespread pessimism
    In Eastern Europe, Bulgarian companies are also having difficulty in absorbing payment defaults which jeopardise the survival of nearly one in four companies (24 per cent). On average, 17 per cent of Eastern European companies are at risk of bankruptcy as a result of outstanding payments by customers.

    At the same time, the EOS survey shows that the crisis-ridden companies have different views of the future. In Greece, the mood in companies tends to be optimistic, as it was in 2016: 29 per cent (2016: 33 per cent) still expect the payment practices of their customers to improve in the next two years. ‘In this context it is interesting to observe the spirit of optimism in Greece. Fortified by intensive support from Europe for some considerable time, there is a positive mood in the country despite the weak economy’, says Klaus Engberding, CEO of the EOS Group.

    Things look very different in the UK, where pessimistic voices are on the increase. Whereas in the previous year, only 12 per cent of the companies polled assumed that payment practices would get worse, a total of 19 per cent hold this view in 2017. ‘Brexit has hit the British economy hard. This is reflected in the weak increase in GDP in the first two quarters and the moderate growth forecast by the International Monetary Fund for 2018’, continues Engberding.

    German companies the most stable
    In Western Europe too, payment defaults represent a threat to the viability of many companies. Alongside British firms, French (22 per cent) and Spanish companies (21 per cent) in particular are battling against these consequences. The situation is different in Germany, where companies are better equipped to absorb outstanding payments. Because although in 17 per cent of all cases payments are made late or not at all, only two per cent of all companies see this as a threat to their existence.
    ‘Companies need to be able to compensate for payment defaults. Otherwise they will quickly be paralysed by their own insolvency’, explains Engberding. ‘Working with a professional receivables management provider really can pay, in the truest sense of the word. In addition, companies can focus fully on their core business and do not have to invest any resources in additional expertise.’


    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Poland, Russia and Greece answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management. Further results from the survey can be found online: http://www.eos-solutions.com/paymentpractices2017

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

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  • Hamburg. With short payment terms consumers often feel that their hands are tied. But these short deadlines actually do help, because the saying ‘Never put off till tomorrow what you can do today’ also applies to paying your bills. The longer a customer has to pay the more likely they are to get into arrears. This results in late fees for the consumer and outstanding payments for the company. European companies are responding accordingly to this correlation: Compared with the previous year, customers in the B2C and B2B segments have a day less to settle their invoices on time (2017: 35 days, 2016: 36 days). Those 24 hours help achieve more consistent punctuality of payments. In the B2C segment, the punctuality rate was 80 per cent in 2017 (2016: 79 per cent), while B2B customers pay 77 per cent of invoices on time (2016: 76 per cent).  These are some of the findings of the EOS survey ‘European Payment Practices’ 2017, which was conducted this year for the tenth time (by Kantar TNS, formerly TNS Infratest).


    The fine line between retaining customers and achieving good payment practices
    'From 2015 to 2016, companies in Europe extended their payment terms. Immediately, a slight deterioration in on-time payments was identified. Currently, companies are revising the terms down again', says Klaus Engberding, CEO of the Hamburg-based EOS Group. 'We are talking about a very fine line here. If payment deadlines are too short customers can be scared off', he adds. 'This is why companies are proceeding with caution and are implementing only very moderate reductions of the terms granted from year to year'.

    Germany benefits from the most punctual payments
    In Western Europe the payment terms are shorter than in Eastern Europe. On average, Western European customers have 33 days to pay their invoices, and the late payment rate is 19 per cent. The country with the shortest payment terms is Germany, which prescribes 24 days on average. Only 17 per cent of customers do not meet this payment deadline. Other countries such as the UK allow much longer time frames of 34 days on average. But the UK also sees a higher proportion of overdue payments (22 per cent).

    Eastern Europe: lots of patience means a lot of payment delays
    In Eastern Europe in particular, companies offer their customers long payment terms. In this region, customers have 37 days on average to settle their invoices, while business customers have as much as 40 days. In 25 per cent of cases, however, customers pay late or do not pay at all. Last year the average payment term was still 38 days and payment delays or defaults stood at 26 per cent. Among the countries substantially cutting their payment terms this year are Romania (2017: 37 days, 2016: 39 days) and Slovakia (2017: 36 days, 2016: 38 days). The correlation between long payment terms and resulting payment delays is most evident in Greece, where customers have an average of 47 days to pay their bills. Despite this, more than a quarter of them (26 per cent) pay too late.

    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Poland, Russia and Greece answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management. Further results from the survey can be found online: http://www.eos-solutions.com/paymentpractices2017/paymentdeadlines


    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

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  • Hamburg. In Europe, personal predicaments continue to be the main reason for payment delays and defaults. Most customers who fall behind with payments have a short-term cash flow problem (66 per cent) or excessive debt, or have declared themselves bankrupt (52 per cent). This is one of the findings of the EOS survey ‘European Payment Practices’ 2017, which was conducted this year for the tenth time (Kantar TNS, formerly TNS Infratest).

    However, the percentage is surprisingly high in the case of what is an avoidable problem: 49 per cent of the companies polled believe that their customers pay late or don't pay at all due to sheer forgetfulness. Klaus Engberding, CEO of the EOS Group, takes a differentiated view: 'We basically assume that the majority of consumers would like to pay their bills on time, but often simply cannot due to short-term or long-term problems. If the fridge breaks down for example, or the car that you need for your daily journey to work, then these purchases take priority. Other bills then have to be paid a little later if possible, and so they get forgotten. What is worrying, on the other hand, is when customers are intentionally not paying their invoices – because that is fraud.’

    Wilful intent as a reason for unpaid bills is not uncommon throughout Europe: 38 per cent of the European companies surveyed complain about wilful non-payment in the B2C segment, while in the B2B segment the figure is 34 per cent. Anyone who deliberately ignores their invoices is liable to prosecution: 'Intentional non-payment – for example when buying on account online or deliberately deferring payment instalments – meets the criteria for the crime of fraud and is not a trivial offence', explains the CEO.

    Germany has lowest incidence of wilful non-payment / More common in Eastern Europe than in Western Europe
    Only 10 per cent of companies in the Federal Republic complain about wilful non-payment in the B2C segment. At European level, Eastern European companies are much more likely than Western European firms to complain that consumers deliberately do not pay their bills. A total of 41 per cent regard themselves as having been fraudulently deprived of revenue (34 per cent in Western Europe). At the bottom of the rankings in this respect are Romania (50 per cent), Greece (45 per cent) and the Czech Republic (42 per cent). In Western Europe, Belgian (43 per cent), Austrian (41 per cent) and French companies (40 per cent) report the highest numbers of deliberate non-payers.

    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Poland, Russia and Greece answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management. Further results from the survey can be found online at: www.eos-solutions.com/paymentpractices2017/wilfulintent

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

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  • Hamburg. Minor cause, major effect: At 29 per cent of the European companies polled, errors of form in invoice handling are already resulting in payment delays and defaults by customers. This is one of the findings of the EOS survey ‘European Payment Practices’ 2017, which was conducted this year for the tenth time. Accordingly, an invoice issued too late is just as likely to lead to serious problems as errors such as an incorrect address or the failure to adhere to formal guidelines. ‘Companies are regularly giving away their money because they have not organised their invoicing processes efficiently', says Klaus Engberding, CEO of the Hamburg-based EOS Group.

    But even a perfectly organised invoicing process may not be enough. Companies will need to call in professional receivables management services if their customers still do not pay. In this context, the companies' failings are not just isolated incidents but systemic problems. In some cases there are no standardised processes whatsoever for recovering non-performing receivables. ‘It is striking that the professionalism is actually continuing to decline', Engberding notes. The number of companies admitting to this in the survey has doubled. In 2017, eight per cent of the companies polled stated that they did not have a standardised receivables management. This is up from four per cent in 2016. ‘The work involved in processing non-performing receivables is often underestimated', says the CEO. ‘It calls for a lot of expertise and ties up personnel'. This is why working with debt collection companies is often more expedient than in-house processes. ‘The specialists handle professional receivables management so that companies can concentrate on their core business'.

    Western Europe: German companies the masters of diligence
    As the survey shows, Germany has the most professional organisation of receivables management. In the B2B segment, only two per cent of the companies surveyed said that they did not have any standardised processes for recovering outstanding debts. This was true of four per cent of companies in the B2C segment. French and British firms in particular are facing major challenges. In both countries, 13 per cent of companies do not have any defined organisational structures for recovering outstanding debts from consumers. In the B2B segment, there is also work to be done in the UK, where ten per cent of companies do not have any standardised receivables management.

    Eastern Europe's ‘underachievers’
    A lack of proper procedures for payment collection is most prevalent in Eastern Europe. In the B2C segment, companies in Greece (15 per cent), Hungary and Slovakia (each 14 per cent) in particular are battling this problem. In the B2B segment, companies in Greece, Slovakia and Russia (9 per cent each), are at the bottom of the rankings in this respect.

    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Poland, Russia and Greece answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management. Further results from the survey can be found online at:
    ( Verlinkung nachtragen: www.eos-solutions.com/paymentpractices2017/invoicingprocesses)

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit: www.eos-solutions.com.

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  • Hamburg. For the financial year 2016/17, Hamburg-based EOS Consolidated is reporting an exceptionally good result: At 195.4 million euros, its EBT (earnings before tax) is well above the previous year's total. The debt collection specialist has also significantly increased its sales to 663.8 million euros.

    This success is all the more remarkable given that the competitive pressures are growing: 'Due to expansionary monetary policy, numerous competitors with a lot of capital are swamping the market. Nevertheless we have held our ground very well, particularly in the receivables purchasing segment', says Klaus Engberding, Chairman of the EOS Group’s Board of Directors. EOS Consolidated has substantially increased its investment in this sector. ‘Our expertise in analysing, acquiring and processing non-performing debt portfolios is acknowledged and valued in the industry’, he continues.

    However, EOS was not going to be resting on its laurels. 'Our focus is on the future. For example, we want to further increase our efficiency and therefore are putting even more emphasis than before on data-driven management of debt collection processes.' At 90 million euros, EOS Consolidated is making its largest investment ever in IT systems.

    'We are not just investing in bits and bytes but also in people. To make the best possible use of the opportunities afforded by digitalisation, we need the right mindset’, says Mr Engberding. This is why the Group has initiated a comprehensive change process: 'With our Cultural Journey@EOS we are defining how we are going to be working together in the future and to what end. It is a process that will involve our entire workforce of around 7,000 people worldwide'.

    Overview of key performance indicators:

    2016/17
    Sales revenue (MEUR): 663.8
    EBITDA (MEUR): 222.6
    EBT (MEUR): 195.4

    2015/16
    Sales revenue (MEUR): 596.1
    EBITDA (MEUR): 173.8
    EBT (MEUR): 181.4

    With a 46 per cent share of revenue, Germany remains the company's most important regional market. Compared with the previous year, it grew by 11.1 per cent to 305.5 million euros. Developments in Western Europe were very gratifying, with sales revenue up 33.5 per cent to 164.2 million euros. One reason for this is the strong increase in investments in receivables purchases, for example in France and Belgium.

    In Eastern Europe, sales revenue rose by 21.5 per cent to 131.4 million euros. This is the highest level in the region in the history of the EOS Group to date. The much higher revenue from receivables purchases in Croatia and Hungary made a significant contribution to this pleasing result. In North America, sales revenue fell to 59.5 million euros. This is attributable above all to the downturn in receivables management for government-issued student loans.

    Further details are provided in the latest issue of our annual publication "Insights" at www.eos-solutions.com/insights

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit: www.eos-solutions.com.

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  • Hamburg. For the thirteenth time in succession, the auditors from Euler Hermes Rating have awarded EOS Holding an 'A' rating, acknowledging that the debt collection specialist enjoys a good credit standing and long-term viability. The key factors leading to this assessment were the company's excellent earning power over a number of years as well as its good debt repayment capacity and equity base.

    Among the reasons for the rating the auditors cited in particular the long-standing experience of EOS in evaluating, acquiring and recovering non-performing receivables. 'Although we are currently experiencing a fiercely fought market we are consistently demonstrating that the acquisition of debt portfolios is our core area of expertise,' says Justus Hecking-Veltman, CEO and CFO of the EOS Group.

    The auditors also commented on the competitive situation: ‘Due to the higher prices for unsecured receivables, we expect that there will be an ever increasing proportion of investments in mortgage-backed receivables.’ EOS has expanded this business area in recent years and is now also offering this service in several countries in Eastern and Western Europe. 'In this context we benefit from the expertise that we have been building up in Germany for a long time,' says Hecking-Veltman.

    To stay competitive and maintain its technological leadership, the EOS Group is also making major investments in its IT systems. 'We are placing even more emphasis on data-driven management of collection processes.'

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce. For more information please visit: www.eos-solutions.com.

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  • Hamburg. Even just one unpaid invoice leaves its mark on a company, let alone hundreds of thousands: For the companies involved these losses can in some cases run into the millions. Just under half of the companies surveyed reported profit setbacks (46 per cent). Other consequences they have to deal with include cash flow problems (39 per cent) and higher interest costs (34 per cent). As a result, the companies lack the money to grow. Across Europe, every fourth company (25 per cent) is therefore curbing its investments. Some companies (17 per cent) are even fighting to survive due to outstanding payments. These are the results of the representative EOS survey ‘European Payment Practices’ 2017 that is being published for the 10th time this year. A total of 3,200 companies took part in the survey conducted by Kantar TNS (formerly TNS Infratest) in the spring.

    Eastern Europe: Strong brake on investment
    In Eastern European countries in particular, payment delays and defaults are putting a brake on investments. In Greece, 39 per cent of firms are currently cutting back on investments, while in Hungary and Croatia, almost every third company is curbing investment. But in the Czech Republic and Poland, only 18 per cent of business owners feel compelled to do so.

    Few investment cutbacks in Germany
    Despite payment defaults and delays, German companies continue to bank on growth. Only seven per cent of the companies surveyed are investing less. The situation is different in the UK and Spain, where every third company is scaling back its investment volume (34 and 33 per cent respectively). Belgium has the highest percentage of companies reducing investments (28 per cent).

    Klaus Engberding ‘Debt collection counteracts the investment freeze’
    'The level of investment is an important indicator for the growth of a company – and therefore also for the entire economy’, explains Klaus Engberding, CEO of the Hamburg-based EOS Group. 'Numerous factors are considered in the investment decision – but above all you need the financial resources. So missing payments from customers are very painful, especially for SMEs that do not have the backing of financially strong shareholders. But there is a lot that even SMEs can do, particularly against payment defaults and delays.’ For Klaus Engberding, working with debt collection companies is an important method of countering a freeze on investment. Last year, debt collection service providers across Europe secured 8 per cent of company revenue.

    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with independent market research institute Kantar TNS (formerly TNS Infratest), EOS surveyed 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Romania, Czech Republic, Croatia, Hungary, Bulgaria, Slovakia, Poland, Russia and Greece answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management. Further results from the survey can be found online at: www.eos-solutions.com/paymentpractices2017/investmentbrake

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

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  • La cartera de créditos contiene deudas en situación dudosa y fallida sin garantía hipotecaria.

    A Coruña. EOS Spain ha sido adjudicataria de una importante cartera de deuda del banco español Bankia. La cartera de 100 millones de euros contiene créditos impagados sin garantía hipotecaria. Está compuesta por posiciones de deuda granular de pymes y particulares, principalmente préstamos, financiación de tarjetas de crédito y, en menor medida, cuentas de crédito, avales y descuentos.

    La venta de esta cartera reduce el saldo de créditos dudosos de Bankia en 79 millones de euros. La venta ha seguido un proceso competitivo entre inversores institucionales en el que EOS Spain ha ganado la oferta. EOS Spain está especializada en la adquisición de carteras de créditos.

    “La venta de esta cartera permite a Bankia obtener liquidez inmediata y liberar recursos para centrarse en su negocio principal, mientras que EOS recupera la deuda de forma óptima, aceptable para el deudor y protegiendo la reputación de Bankia. A su vez, la adquisición significa para EOS el fortalecimiento de su posicionamiento de mercado en el sector de compra de carteras”, ha comentado Manuel González, Director General de EOS Spain.

    Sobre EOS Spain
    EOS Spain es especialista en gestión de cobro, con sede en A Coruña y filial del Grupo EOS. El Grupo EOS es uno de los principales proveedores internacionales de servicios financieros personalizados. Se centra principalmente en la gestión de deudas, cubriendo tres segmentos clave de negocio: la gestión de cobro, la adquisición de deudas y la externalización de procesos de negocio. Con unos 8000 empleados y más de 60 filiales, EOS ofrece seguridad financiera a través de servicios personalizados en los segmentos B2C y B2B a aproximadamente 20 000 clientes en más de 28 países de todo el mundo. Junto con una red internacional de empresas asociadas, el Grupo EOS proporciona recursos a sus clientes en 180 países de todos los continentes. Los sectores principales en los que trabaja son la banca, los servicios de suministros y las telecomunicaciones, junto con el sector público, el inmobiliario, la venta por correspondencia y el comercio electrónico.

    Contacto de prensa EOS Spain
    EOS Spain S.L.U. 
    Córcega, 371, 6ª planta
    08037 Barcelona
    Teléfono: +34 933 684 140

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  • Hamburg. Because of payment delays on the part of its customers, a company with an annual turnover of EUR 10 million has to wait for a long time on a sum of around EUR 1.9 million, while EUR 300,000 are completely unrecoverable (19 percent of all invoices in Europe are paid late and three percent are not paid at all). Ultimately, the consequences affect not only the defaulting payers themselves, but all consumers: Every fifth European company (20 percent) reacts to these kinds of payment delays and defaults by cutting jobs and freezing recruitment. Roughly just as many (21 percent) increase their prices – and so the boomerang effect begins. This is one of the findings of the representative EOS Survey ‘European Payment Practices’ 2017, which was conducted this year for the tenth time. In spring this year, independent market research institute Kantar TNS polled 3,200 corporate decision-makers from 16 European countries.

    Price increases most frequent in Eastern Europe
    In Eastern Europe in particular, companies react to payment delays or defaults by raising prices. This is most common in Hungary (32 percent), followed by Croatia (30 percent). In Western Europe, British firms are the most likely to increase their prices (26 percent). Only Switzerland comes close (24 percent). In Germany, on the other hand, the response is muted: only four percent of companies react to payment delays and defaults by raising prices.

    Hiring policy: Germany reacts calmly – Greece takes drastic measures
    In respect of a recruitment freeze or job cuts, Greece exhibits the strongest reaction in Europe to payment delays and defaults: in 31 percent of companies polled in Greece, payment defaults impacted on hiring policies. The UK is only slightly behind (29 percent). Romania and Spain are in third place (at 27 percent each). By way of comparison: In Germany, only 6 percent of companies take steps to reduce personnel.

    ‘Many people are not even aware of the consequences of late or unrecoverable payments. We would like to educate people about this and about the importance of debt collection’, says Klaus Engberding, CEO of the Hamburg-based EOS Group. ‘Debt collecting often has a cliché-ridden, negative image among the public. The role it plays in the economy is generally not visible, although this is something that the consumer benefits substantially from. Because the liquidity restored to a company as a result of debt recovery helps it to avoid increasing prices or cutting back jobs.’

    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with the independent market research institute Kantar TNS, EOS polled 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Poland, Slovakia, Czech Republic, Croatia, Hungary, Bulgaria, Russia, Greece and Romania answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management. Further results from the survey can be found online at: www.eos-solutions.com/paymentpractices2017/consumer

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

    Imprimir
  • Hamburg. In Europe, 19 percent of customers pay their invoices late – and three percent do not pay them at all. The resulting loss of revenue can have serious consequences: no less than 17 percent of companies worry about going bankrupt. This means that debt collection services are all the more important to them: A total of 41 percent of the European companies polled work regularly with debt collection providers. Last year these debt collection professionals recovered eight percent of outstanding company revenue. This is the result of the representative EOS Survey ‘European Payment Practices’ 2017, which was conducted this year for the tenth time.

    East-West comparison: Who secures more revenue?
    In Eastern Europe it is mainly Romanian companies that benefit from working with debt collection providers. Every year, collaboration with receivables management specialists returns a total of 13 percent of revenue to the companies. In both Croatia (12 percent) and the Czech Republic (11 percent) debt collection providers have recovered more than ten percent of company revenue. In Western Europe, German companies in particular enjoy the benefits of working with debt collection providers, with an eight percent share of revenue being returned to companies as a result of receivables management services.

    Effective use of receivables management
    Most companies use the payments recovered through receivables management to settle outstanding invoices (58 percent), while 44 percent of the companies invest the money in creating new jobs and safeguarding existing jobs. This means that debt collection providers contribute to the stability of the job market. In addition, the resources recovered go into expanding business segments (37 percent), R&D (28 percent) and investing in the financial markets (25 percent).

    Valuable business service
    ‘Outstanding payments are a risk to companies. Firms should work with debt collection specialists in good time, as it enables them to focus on their core business, while their liquidity is safeguarded by professional receivables management’, explains Klaus Engberding, CEO of the EOS Group.

    About the EOS survey: ‘European Payment Practices’
    In the spring of 2017, in partnership with the independent market research institute Kantar TNS, EOS polled 3,200 companies in 16 European nations about the prevailing payment practices in their respective countries. 200 companies in each of the countries Germany, UK, Spain, France, Belgium, Austria, Switzerland, Poland, Slovakia, Czech Republic, Croatia, Hungary, Bulgaria, Russia, Greece and Romania answered questions about their own payment experiences, economic developments in their countries and issues relating to risk and receivables management.

    We are happy to send you details of the survey results on request. Simply email presse@eos-solutions.com. Information on the survey is also available online: www.eos-solutions.com/paymentpractices2017/economicdriver

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

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  • Hamburg. Payment practices in Europe are currently at a level of 78% of invoices paid on time. After the overall positive developments over the past ten years, this confirms that payment practices have stagnated. The percentage of invoices paid late (19%) and invoices in default (3%) has not been improving or just slightly improving in the last three years. This is the result of the 'European Payment Practices' 2017 survey conducted by the independent market research institute Kantar TNS on behalf of the EOS Group. Data was collected from 3,200 companies in 16 countries during the survey carried out this spring for the tenth time in a row. 'A payment default rate of 3% can be very worrying for companies. This may include sums in the billions that companies do not have available to cover their own costs or to invest in their future', says Klaus Engberding, CEO of the EOS Group. In Eastern Europe the average percentage of unpaid invoices was even as high as 4%. Payment practices in Greece, Russia, Romania, Bulgaria and Slovakia (74% of payments made on time) were the worst. Companies in Germany (89%) and Switzerland (82%) show the largest number of payments made on time.

    Outlook for the future deteriorates
    Payment practices in Europe have been continually improving over the last ten years, albeit only slightly. Looking to the future, 77% of the companies do not expect any further upswing, which means payment practices will remain the same or get worse. Eastern European companies, in particular, significantly lowered their positive expectations compared to the previous year. The mood in Russia is the most pessimistic. 30% of the companies surveyed expect that payment practices will deteriorate. 'Thanks to the increasing oil prices Russia is moving out of its recession, however structural reforms within the country are still needed to stabilise the economy', states Klaus Engberding. 'However, as of now such reforms are not in sight. The reluctance of businesspeople is understandable'. Negative expectations have also increased by 7% in the United Kingdom compared to the previous year. 'This is not a surprise given the pending Brexit process', the CEO comments. The situation in Spain is more surprising. 'Despite strong growth every fourth person asked assumes that payment practices will still deteriorate. Businesspeople do not see enough stability in the economic upswing', believes Engberding.

    Ten years of 'European Payment Practices'
    EOS has been conducting the 'European Payment Practices' survey since 2007. The Hamburg company analyses the European economic zone together with independent market research institutes. The focus is on customer payment practices in companies with average revenues of 28 million euro and 180 employees. After starting with four countries EOS continued to expand the survey. 16 countries participated this year. 'The collection of data is very time-consuming. We conduct 200 interviews with decision-makers in accounts receivable management in each country', explains Mark Lammers, Associate Director Kantar TNS. 'We have been collecting high-quality data with this method for ten years now. The market assessments that can be derived from this data have a high significance', Lammers continues.  

    Further results from the European Payment Practices survey can be found online at: www.eos-solutions.com/paymentpractices2017

    The EOS Group
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With around 7,000 employees and more than 55 subsidiaries, EOS offers some 20,000 clients in 26 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.
    For more information please visit: www.eos-solutions.com.

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  • Hamburg. ‘You know what you have to do’ – this message passed on by a husky voice on the telephone to a person in a dark parking garage launches one of the three viral spots placed online by the EOS Group. Today, the specialist for receivables management starts its viral campaign ‘The debt collectors’ way’ on Facebook and YouTube. The films address well-known preconceptions of the debt collection industry in an entertaining way and these are then refuted on the associated campaign website (www.the-debt-collectors-way.com). EOS deliberately plays with some well-known stereotypes with the aim of making the taboo topic of debt collection an objective subject of conversation.

    Debt collection is an important economic service but its public perception is often very detached from reality. ‘We have produced three video spots to showcase reputable debt collection’, says Klaus Engberding, Chairman of the EOS Group’s Board of Directors. ‘Thus, we take responsibility for the professionalism of our industry.’ The unusual approach that EOS takes, is an essential element of the concept: ‘Instead of bone-dry arguments we work with charming short stories’, explains Lara Flemming, Head of Corporate Communications & Marketing of the EOS Group. ‘We very deliberately take aim right at the heart of the stereotypes and preconceptions, address and then resolve them in our films in a light-hearted, twinkle-in-the eye way.’ Making ‘what debt collection truly is’ really clear is just one of the campaign objectives. Ms Flemming: ‘The campaign should be seen as an offer of dialogue. We want to be transparent about our work, to be open and ‘talk with each other, not talk over each other’. 

    The videos were produced under the direction of the Hamburg-based creative agency, La Red. The three videos in the ‘Debt collectors’ way’ campaign can be viewed on the campaign website: www.the-debt-collectors-way.com

    The EOS Group 
    The EOS Group is one of the leading international providers of customised financial services. Its main focus is on receivables management covering three key business segments: fiduciary collection, debt purchase and business process outsourcing. With just under 8,000 employees and more than 60 subsidiaries, EOS offers some 20,000 clients in 28 countries around the world financial security with tailored services in the B2C and B2B segments. Being connected to an international network of partner companies, the EOS Group has access to resources in more than 180 countries. Its key target sectors are banking, utilities and telecommunications, along with the public sector, real estate, mail order and e-commerce.

    For more information please go to: www.eos-solutions.com.You can download high-resolution press photos and further press information here: http://eos-solutions.com/the-debt-collectors-way

    Contact for press queries:
    HOSCHKE & CONSORTEN
    Public Relations GmbH
    Christof Kaplanek
    Tel.: +49 40 36 90 50-38
    Email: c.kaplanek@hoschke.de

    Phil Stephan
    Tel.: +49 40 36 90 50-53
    Email: p.stephan@hoschke.de

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