Search
Δύο εργαζόμενοι της EOS κοιτάζουν μαζί ένα φορητό υπολογιστή απορροφημένοι σε μια συζήτηση.

Annual and Sustainability Report 2024/25

Finding success together!

I sincerely thank all our employees. Without their dedication, this result would not have been possible. Our success was based on strong investments in NPL portfolios and outstanding operational performance in the processing of receivables.

Marwin Ramcke
Chief Executive Officer of the EOS Group

 

Ο Marwin Ramcke, Διευθύνων Σύμβουλος του ομίλου EOS, στέκεται μπροστά σε ένα μπλε φόντο, ντυμένος με ένα σκούρο σακάκι. Κοιτάζει απευθείας στην κάμερα.

Strategies and perspectives of the Board of Directors

Interview with the CEO and CFO

The EOS Group’s successful financial year 2024/25: What drove these achievements? What role did responsible action play? And where do the opportunities of the future lie? Marwin Ramcke (CEO) and Dr. Eva Griewel (CFO) provide answers to these questions.

Ο CEO σε γκρι σακάκι και η CFO του ΟμίλουEOS σε μπλε σακάκι περπατούν σε ένα μοντέρνο γραφείο. Ο χώρος διαθέτει μεγάλα παράθυρα, καμπύλο τοίχο και κομψές κρεμαστές λάμπες.

Insights into the fiscal year by region

Strong market presence in Eastern Europe, significant investments in Western Europe, and new organizational structures in Central Europe: the members of the Board of Directors of the three regions Carsten Tidow, Sebastian Pollmer, and Dr. Stephan Ohlmeyer take stock of the current situation.

Strong performance: The EOS 2024/25 financial year in figures

Revenue

5.6 percent more revenue

0

in EUR million

EBITDA

Slight increase over the previous year’s result

0

in EUR million

Investments

Over 40 percent more investments

in EUR million

Total
826.6
Western Europe
334.9
Eastern Europe
312
Central Europe
179.7

All figures in detail

These and all other key figures are available in the overview section of our Annual and Sustainability Report 2024/25.

Direct to the business performance in the PDF on page 17
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Direct to the business performance in the PDF on page 17

We shape the financial world sustainably

Our objective is to improve the financial situation of our customers, as well as defaulting consumers.

 

Εικόνα μιας νεαρής γυναίκας που γελάει ανοιχτά και κρατάει ένα tablet. Κάθεται σε μια δερμάτινη πολυθρόνα μπροστά από σκοτεινό φόντο.

Strengthening liquidity: Our contribution to the business cycle

With our claim Changing finances for the better, we are actively shaping the world of finance. We enhance the liquidity of companies and banks through responsible acquisition and professional management of non-performing receivables. By providing transparent processes, respectful communication, and anonymous payment options, we support defaulting consumers on their path to becoming debt-free.

In the past financial year, the EOS Group contributed more than EUR 2.2 billion in liquidity to the business cycle, making a tangible impact on the stability and future viability of the European financial landscape.

Learn more about our expertise in reducing non-performing receivables in the PDF on page 20
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about our expertise in reducing non-performing receivables in the PDF on page 20

Fairness as a guiding principle

What we mean by ethical receivables management and how we develop solutions for sustainable debt relief.

Learn more about responsible receivables management in the PDF on page 31
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about responsible receivables management in the PDF on page 31
Ένας εργαζόμενος της EOS φοράει ακουστικά και φαίνεται να χαμογελάει ενώ συνομιλεί με έναν ψηφιακό συνομιλητή.

Intelligent technologies that provide assistance

How we leverage AI and RPA to enhance our services for defaulting consumers and support our employees.

Learn more about digital assistants in the PDF on page 32
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about digital assistants in the PDF on page 32
Ένας γενειοφόρος άνδρας με μακριά μαλλιά δεμένα σε κότσο κάθεται μπροστά σε έναν υπολογιστή, πλήρως απορροφημένος στη δουλειά του.

Financial literacy for children and adolescents

Why financial literacy prevents private over-indebtedness and how we foster it.

Learn more about our educational initiatives in the PDF on page 34
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about our educational initiatives in the PDF on page 34
Δύο νεαροί εργαζόμενοι της EOS εξετάζουν μαζί μια οθόνη υπολογιστή και συζητούν για αυτό που βλέπουν.
Τρία σήματα για βραβεία ESG: Στα αριστερά, ένα εξαγωνικό σήμα με την ένδειξη "Sustainalytics Industry ESG Top Rated 2025" από τη Morningstar. Δίπλα του, ένα παρόμοιο σήμα για "Sustainalytics Regional ESG Top Rated 2025" από τη Morningstar. Στα δεξιά, ένα στρογγυλό χάλκινο σήμα από την EcoVadis με την ένδειξη "Top 35% Sustainability Rating, Δεκ 2024."

Excellent: High rankings in ESG ratings

We are continuously improving our environmental, social, and governance (ESG) practices. In recognition of our ongoing commitment, the renowned rating agency Morningstar Sustainalytics has once again awarded us the “Top Rated Industry” and “Top Rated Regional” distinctions for 2025, placing us among the top 2 percent of companies in the “Diversified Financials” category for the second year in a row. At the end of 2024, the EOS Group was also awarded the EcoVadis Bronze Medal for the first time. EOS ranks among the top 12 percent of the most sustainable companies in its industry.

Learn more about our ESG ratings in our PDF on page 13
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Learn more about our ESG ratings in our PDF on page 13

Taking responsibility

We aim to change things for the better. In our corporate responsibility strategy, we have identified four key fields of action where we can make the most significant positive impact on consumers, customers, employees, and society.

Explore our four fields of action in our PDF on page 9
The "EOS Annual and Sustainability Report 2024/25" of the EOS Group outlines the company's financial performance and sustainability initiatives, including a revenue of 1.1 billion euros and an EBITDA of 460.8 million euros. The report emphasizes EOS's commitment to ethical debt collection practices, technological innovations, and social responsibility, including promoting financial education and supporting diversity and inclusion. Explore our four fields of action in our PDF on page 9
Εταιρική ευθύνη – Οι τέσσερις τομείς δράσης της EOS Εικονογράφηση των τεσσάρων τομέων δράσης στη στρατηγική Εταιρικής Ευθύνης της EOS, συνοδευόμενη από μικρά οπτικά στοιχεία. Responsible Collection, Social Engagement, Environmental Protection, και Financial Sustainability. Το σύνθημα της EOS εμφανίζεται από πάνω: Changing for the better.

Read more about our solutions for banks and find out how we continuously optimize our services.

Πορτρέτο ενός καθιστού ώριμου επιχειρηματία που φοράει μπλε κοστούμι και κρατάει μια λευκή κούπα καφέ.

Receivables as a burden? EOS creates space for banks.

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.
Learn more
AI στην διαχείριση οφειλών: Σε αυτή την εικόνα, δύο επαγγελματίες αναλύουν συνεργατικά τον προγραμματισμένο κώδικα για αυτοματοποιημένες διαδικασίες σε μια μεγάλη οθόνη. Η σκηνή απεικονίζει την πρακτική εφαρμογή της Τεχνητής Νοημοσύνης (AI) και της Ρομποτικής Αυτοματοποίησης Διαδικασιών (RPA) στη διαχείριση χρεών – ένα παράδειγμα ψηφιακού μετασχηματισμού στη διαχείριση απαιτήσεων.

AI and the future of debt collection

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.
Learn more
Δίκαιη είσπραξη χρεών: Ένας μεσήλικας άνδρας οφειλέτης με ένα σακάκι στο χρώμα της ελιάς κοιτάζει έξω από το παράθυρο με ανησυχία.

Fair debt collection: The person behind the debt.

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.
Learn more
PDF Download