EOS fiscal year 2024/25: Strong performance.

As one of the leading buyers and service providers in European receivables management, EOS combines business success with responsibility and sustainability. This approach pays off. Marwin Ramcke, CEO of the EOS Group and Dr. Eva Griewel, Chief Financial Officer (CFO) of the EOS Group, provide insights into the key developments of the past financial year.

Marwin Ramcke:
Our entrepreneurial spirit is our strongest driving force. Therefore, I would like to first extend my heartfelt thanks to all employees. Without their dedication, this result would not have been possible. We are experiencing solid and healthy growth. Last year, our revenue increased by 5.6 percent – this is primarily due to strong investments in receivables purchases and excellent operational performance.

Dr. Eva Griewel:
I am pleased that EOS has once again concluded a very successful fiscal year despite a challenging economic environment. My special thanks go to all my colleagues who have welcomed me so warmly in my new role. The unique EOS spirit, combined with an international culture of innovation, is what makes us so successful. We operate in more than 20 countries, enabling us to optimally leverage our expertise across various asset classes in the markets as needed.

Marwin Ramcke:
We have now rolled out our own collection software "Kollecto+" in eleven countries. Additionally, we are leveraging Robotic Process Automation and artificial intelligence to make our processes more efficient, speed up operations, and to consistently enhance our service quality. At the same time, we meet current regulatory requirements, for example, the demands of the European NPL Directive. This is an impressive team achievement, as it required adjustments to processes and IT systems in many local companies.

Dr. Eva Griewel:
We invested EUR 826.6 million: approximately 41 percent in Western Europe, 38 percent in Eastern Europe, and 22 percent in Central Europe. About 60 percent of the investments pertain to unsecured receivables, while the remainder is related to our secured business. We possess extensive expertise in the acquisition and management of these assets. In-depth analyses and years of experience help us to realistically assess portfolios and thus offer a fair price. This provides both us and the sellers with the assurance of being successful today and in the future.

Marwin Ramcke:
Responsibility shapes all our activities. For example, in line with our Ethical Debtor Management Policy, we maintain a fair and respectful approach towards defaulting payers. However, this encompasses much more, as our ESG ratings demonstrate. In early 2025, we were recognized by the renowned rating agency Morningstar Sustainalytics as "Top Rated Industry" and "Top Rated Regional" for our achievements in the areas of Environment, Social, and Governance. Additionally, EOS received the Bronze Medal from EcoVadis for the first time – evidence that we take sustainability seriously, and at the same time, a motivation for us to continue improving.

Dr. Eva Griewel:
Our financial year once again demonstrates that the EOS Group has been able to assert itself in the market through significant portfolio purchases – whether as a sole buyer or in co-investment structures, which we aim to expand in the future. It is very encouraging that our NPL portfolio is strongly diversified due to our broad presence in Europe, which means we are not reliant on individual markets. As a wholly owned subsidiary of the Otto Group, we enjoy a high reputation and great trust among our partners. For over 50 years, the EOS Group has operated responsibly, and we will continue to do so.

Marwin Ramcke:
This year, we expect an increase in the volume of NPLs in Europe. This presents interesting investment opportunities for the EOS Group. The purchase of receivables portfolios will continue to be a focus for us in the future. Our goal is to maintain or achieve a top-three position in all established markets. I am convinced that the team spirit and the courage of all employees at EOS to change things for the better will set new standards.