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Non Performing Loans Debt Purchase

How portfolio valuation works in receivables purchasing
Jun 16, 2026
4 min.
Before submitting an offer, EOS thoroughly analyzes a receivables portfolio to understand its characteristics and determine a purchase price that is as fair as possible for the seller.
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Debt Purchase Unsecured receivables

Forward-flow agreements benefit everyone.
Jun 8, 2026
6 min.
Why do companies continuously purchase defaulted receivables from other businesses? We explain how the forward-flow business works – and why this is a successful solution for everyone involved.
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Digitalization Regulation

Responsible AI use: Explicit guidelines at EOS
May 10, 2026
6 min.
Binding policies and processes ensure that AI is used responsibly. Meike Fabian, Chief Compliance Officer at EOS, discusses the company’s AI corporate policy in an interview.
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Debt Purchase Data Analytics

Debt purchasing: How EOS values unsecured NPL portfolios
Mar 26, 2026
4 min.
Before acquiring a receivables portfolio, EOS focuses on one key question: What is it worth? Malte Janzen and his team determine a fair purchase price using advanced technology and deep expertise.
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Secured receivables Unsecured receivables

Receivables as a burden? EOS creates space for banks.
Feb 24, 2026
3 min.
Are your receivables weighing down your balance sheet? EOS can take over your distressed assets. Tailored solutions from a single source, whether your assets are secured, unsecured or real estate.
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Real Estate Secured receivables

How EOS transforms real estate secured NPLs into long-term value

Dec 10, 2025
4 min.
EOS delivers lasting solutions for real estate secured NPLs, revitalizing distressed properties and transforming overlooked areas.
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Financial Investor Business Figures

EOS: Fiscal year 2024/25
Aug 13, 2025
4 min.
As a buyer and service provider in European receivables management, EOS combines success with responsibility. Marwin Ramcke and Dr. Eva Griewel provide insights into the 2024/25 fiscal year.
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Financial Investor Non Performing Loans

EOS Group: Fiscal year 2024/25 by regions
Aug 13, 2025
5 min.
Successful fiscal year in all three regions: EOS Board members Carsten Tidow (Eastern Europe), Sebastian Pollmer (Western Europe), and Dr. Stephan Ohlmeyer (Central Europe) take stock.
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Receivables Management Debt Purchase

EOS successfully implements provisions of the NPL Directive
Aug 12, 2025
5 min.
EOS shows how the provisions of the NPL Directive are being implemented locally by its national subsidiaries.
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Innovation & Trends Digitalization

AI and the future of debt collection
Jun 25, 2025
4 min.
How is AI reshaping the financial sector? In this interview, Dobrin Mirevski and Paul Baltag share their views on upcoming changes – from ethical automation to real-time decision-making.
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Innovation & Trends Corporate Responsibility

Plain language: Improving communication with consumers
Feb 25, 2025
3 min.
Plain language helps companies and consumers alike. In this interview, an expert in the field explains why that is so and why it is especially important in the debt collection segment.
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Receivables Management Corporate Responsibility

Fair debt collection: The person behind the debt.
Feb 15, 2025
4 min.
The central question in responsible debt collection is: How do we handle defaulting payers? As EOS demonstrates, there is more than one good answer to this question.
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Financial Investor Corporate Responsibility

Interview: EOS Board on the 2023/24 financial year
Aug 7, 2024
7 min.
The EOS Board on the 2023/24 financial year: How business has developed in the regions, why sustainability remains a key focus area, and how EOS is optimally prepared for the future.
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Innovation & Trends Corporate Responsibility

ESG experts promoting sustainability at EOS internationally
Jul 31, 2024
4 min.
Commitment to strategy: Sustainability is becoming a success factor for financial companies. ESG experts at EOS are driving environmentally conscious and socially responsible action internationally.
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Innovation & Trends Digitalization

Innovation contest: When employees shape the future with AI
Jul 10, 2024
3 min.
Now for the third time, EOS was calling on its employees to take part in the innovation contest. The goal: promoting international collaboration and enhancing performance.
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Debt Purchase Unsecured receivables

Unsecured receivables: How EOS stabilizes companies.
May 27, 2024
3 min.
Whether they are a bank, energy utility, telecoms or e-commerce firm, EOS helps businesses from a wide range of sectors to reliably plan ahead by purchasing their unsecured receivables.
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Receivables Management Innovation & Trends

Digital debt collection system: The success story of Kollecto+
Apr 30, 2024
3 min.
Almost half of EOS national subsidiaries work with Kollecto+. The digital collection system is making great strides and offers customers and consumers alike many benefits.
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Debt Purchase Unsecured receivables

Uni Banka cooperates with EOS in receivables management.

Apr 8, 2024
3 min.
Win-win: EOS North Macedonia is taking on Uni Banka’s receivables management in the long term. The collaboration doesn’t just benefit the two companies but also the country’s economy.
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Debt Purchase Unsecured receivables

New EOS region Central Europe: “We’re creating openness to new goals”
Mar 28, 2024
3 min.
Better knowledge transfer and greater openness to new business areas are what EOS aims to achieve with the new Central Europe region.
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Corporate Responsibility Debt Purchase

ESG criteria: EOS and IFC pursue sustainable portfolio acquisition
Mar 14, 2024
3 min.
In Poland and southeastern Europe, IFC (International Finance Corporation) and EOS apply strict ESG criteria covering social and environmental aspects when buying NPL portfolios.
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Receivables Management Innovation & Trends

RPA: Improving quality with software robots at EOS
Feb 27, 2024
2 min.
“Programmed revolution”: The EOS Group is optimizing its digital receivables management with robotic process automation, freeing up staff for more complex and creative tasks.
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Data Analytics Innovation & Trends

Not sure about generative AI? The balance between innovation and risk.
Feb 16, 2024
4 min.
Generative AI offers companies enormous potential. The Otto Group reduces these risks with its in-house ogGPT tool. The EOS Group also benefits from this.
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Data Analytics Innovation & Trends

Survey reveals: AI potential not being exploited in risk and finance.
Nov 27, 2023
2 min.
A survey reveals that generative AI like ChatGPT offers companies potential applications in numerous areas. In the area of risk and finance, it also harbors untapped potential.
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Debt collection software: More efficiency with standardization.
Jul 26, 2023
2 min.
In the Kollecto+ collection system, all EOS companies pool their knowledge and experience, and in doing so improve the efficiency of the entire Group.
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How EOS makes debt collection responsible and fair.
Jul 26, 2023
3 min.
EOS stands for fair and respectful receivables management. The debt collection company accomplishes this with technology that simplifies processes for consumers and with trained staff.
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International debt collection: EOS manages receivables for Hertz
Jul 24, 2023
3 min.
Cross-border receivables present both logistical and legal challenges. Car rental company Hertz relies on the expertise of EOS for its international debt collection.
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Receivables Management

International debt collection: How EOS processes receivables worldwide
Jul 17, 2023
3 min.
EOS is active in 180 countries with its own companies or selected partners. Banks that regularly sell cross-border debts to EOS also profit from this network.
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Record inflation threatens businesses: A rising curve.

Record inflation threatens companies.
Nov 16, 2022
3 min.
Record inflation and rising energy prices threaten the purchasing power of companies and their ability to invest: Here is how you can mitigate the effects.
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How EOS is committed to a debt-free world.
Aug 8, 2022
5 min.
In order to curb excessive personal debt, EOS is taking responsibility and is committed to improving financial literacy in society.
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EOS in the UN Global Compact: Taking CR to the next level.
Jul 20, 2022
6 min.
Joining the UN Global Compact is helping EOS to devise a strategy for its corporate social responsibility. How can the goals of the initiative be applied to your own business?
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Identity theft: How machine learning protects against online fraud.
Jun 16, 2022
6 min.
When goods are ordered under a false name, retailers are often left with the costs. RISK IDENT has developed a software that uses artificial intelligence to put a stop to identity fraud in e-commerce.
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Innovation & Trends

The new EOS brand: Pioneering and more dynamic and digital.  
Mar 1, 2022
3 min.
In this interview, CEO Marwin Ramcke talks about the mindset behind the brand and what it means for the company’s business partners.
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Portrait photograph of Marwin Ramcke, Managing Director of the EOS Group and responsible for the Eastern Europe region

Interview with new EOS CEO Ramcke: “We are going to set new benchmarks.”
Feb 1, 2022
4 min.
Marwin Ramcke leads the EOS Group as new CEO. In this interview he reveals his plans for the future and discusses the challenges he sees managers facing today.
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EOS Chatbot Survey: How employees and customers profit from AI
Nov 9, 2021
4 min.
Chatbots relieve employees of simple tasks – giving them more time for more complex customer issues and increasing their satisfaction.
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EOS 2021 Chatbot Survey: Two of three companies use bots.
Nov 9, 2021
5 min.
Nearly two thirds of European companies are already using chatbots – and this number is growing. But they are still leaving a lot of potential untapped.
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By completing derelict buildings, EOS is bringing debt-ridden properties back into the economic cycle.

EOS is bringing debt-ridden properties back into the economic cycle
Oct 29, 2021
4 min.
In many cities around the world, buildings are lying empty and falling into disrepair. EOS is making sure that these properties can be used again. It’s a win-win scenario!
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International debt collection

International debt collection at EOS: Globally connected in COVID-19 crisis.
Sep 27, 2021
3 min.
The COVID-19 pandemic has made international debt collection even more challenging. The EOS partner network is a reliable point of contact during the crisis too – thanks also to an efficient IT platform.
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Corporate Responsibility at EOS: EOS CEO Klaus Engberding

Corporate Responsibility: Four actionable areas – one strategy.
Aug 30, 2021
11 min.
How can business practices improve the world? The corporate responsibility strategy of EOS consists of four actionable areas. Its motto: Changing for the better.
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Fiscal 2020/21: “We’ve learned a huge amount this year.”
Aug 11, 2021
4 min.
In this interview, Justus Hecking-Veltman, CFO of the EOS Group, explains what makes EOS so resilient and how the company aims to exploit new opportunities after this exceptional year.
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Diversity drives success: “not (just) a women’s issue”
Jul 9, 2021
5 min.
Diverse teams are more successful, says diversity expert Tijen Onaran. In this interview she reveals how companies can create diversity and equal opportunities in the workplace.
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Real estate secured NPLs: in Bosnia the NPL market offers great potential.

Real estate secured receivables business is booming.
Jun 24, 2021
5 min.
The secured debt portfolio business is growing, especially at the EOS national subsidiaries in France and in Bosnia and Herzegovina. An important advantage they have is the Group’s good name.
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Digital transformation: How EOS challenges itself anew, day after day.
Mar 26, 2021
3 min.
When the financial sector talks about digital transformation nowadays, it is describing a process that EOS has been going through for years now.
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Annual and Sustainability Report 2024/25

In our Annual and Sustainability Report, we reflect on a successful financial year in which we courageously tackled new challenges. The report outlines the EOS Group’s principal activities and business highlights, along with its strategies for corporate, social, and environmental responsibility.

Read the full report here
Two EOS employees look at a laptop together while engrossed in a conversation.
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