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EOS Magazine

AI in debt collection: In this image, two professionals are collaboratively analyzing program code for automated processes on a large screen. The scene illustrates the practical application of Artificial Intelligence (AI) and Robotic Process Automation (RPA) in debt management – an example of digital transformation in receivables management.

AI and the future of debt collection

May 22, 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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Young woman on her cell phone next to an EOS team member with headphones and two women talking

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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Fair debt collection: A middle-aged male debtor in an olive-colored jacket looks out the window with concern.

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 debtors? As EOS demonstrates, there is more than one good answer to this question.

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Marwin Ramcke, CEO, standing in a blue suit, with his right hand in his trouser pocket, in a bright room.

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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ESG: EOS has a clear agenda for environmentally conscious and socially responsible action. Corporate Responsibility experts see to it that the strategy is being implemented in the national companies.

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 contest: The winning team presented artificial intelligence (AI) that can independently make and receive call center calls.

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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Unsecured receivables: Image shows two people looking at an invoice together.

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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Kollecto+ is the digital collection system of EOS.

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

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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IFC representatives visited the EOS Group in Hamburg, celebrating the cooperation in the Polish market and solidifying the commitment to sustainable investments.

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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Illustration of woman in front of computer facing a robot

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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Cybersecurity expert Janusch Skubatz, Chief Information Security Officer of the EOS Group, with brown hair and white shirt

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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A photo shows a dilapidated building in Režanci, Croatia. A ‘stranded asset’ that EOS Croatia is putting back on the market.

Stranded assets: EOS creates solutions for unusable real estate.

Jul 26, 2023

2 min.

The number of unusable properties is growing, partly as a result of increasing requirements for sustainability. EOS is developing new areas of expertise to bring stranded assets like these back onto the market.

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A group photo shows the EOS Board of Directors (from left to right): Andreas Kropp (Germany), Justus Hecking-Veltman (CFO), Marwin Ramcke (CEO), Carsten Tidow (Eastern Europe) and Dr. Andreas Witzig (Western Europe).

2022/23 fiscal year: The Board of the EOS Group takes stock.

Jul 26, 2023

4 min.

In this interview, the members of the Board of the EOS Group talk about the positive developments in fiscal 2022/23, employees, diversity, and the responsibility of debt collection companies.

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Cybersecurity is a top priority for EOS. To achieve this the company is setting up an international protective shield.

EOS Group relies on cutting-edge technology for data protection.

Jul 26, 2023

2 min.

Using cutting-edge technology, EOS protects the data of customers and consumers from attacks by criminals. The new cyber-shield “Iron EOS” makes this an even faster and more efficient process.

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A man and a woman having a relaxed-looking conversation, as a symbolic image of a corporate culture where employees have autonomy.

Empowerment: How EOS attracts and retains employees.

Jul 26, 2023

3 min.

Supporting and encouraging people ensures growth: EOS has created numerous programs that enable employees to grow both personally and professionally.

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Debt collection software: More efficiency thanks to standardized system.

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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A graphic shows several people communicating with each other through email, conversations, and letters.

Corporate Responsibility

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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Financial literacy: Learning at an early age about how to handle money properly can protect people from excessive debt later on.

Corporate Responsibility

Financial literacy: How EOS is committed to improving financial skills.

Jul 26, 2023

4 min.

A lack of financial education can accelerate the path to excessive personal debt, especially among young people. With its debt collection expertise, EOS supports financial literacy programs that aim to counter such developments.

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A photomontage shows a car traveling toward the sunset in the right lane of a paved road in an open, green landscape. The asphalt on the opposite lane is completely worn down.

International debt collection: EOS handles receivables management globally 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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An illustration shows a man and a woman in business attire shaking hands. In the background is a globe with several locations pinned on it – and a stylized income statement.

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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EOS in the UN Global Compact: At EOS, Sibylle Weingart is responsible for issues of corporate responsibility.

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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Technology highlights of the EOS Group: overview of all trends.

From analytics to security tools: The tech highlights of the EOS Group.

Jul 20, 2022

3 min.

Year after year, EOS invests in new technological trends. Four examples show how EOS clients, and consumers, can now benefit from these technologies.

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EOS Annual Report 2021/22: Secured debt purchase at EOS

Interview: “The secured receivables market is all about relationships”

Jul 20, 2022

6 min.

EOS has greatly expanded its expertise in the processing of non-performing secured loans in recent years. Experts from two EOS countries share their experiences and provide insights into two very different markets.

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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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The valuation of the secured portfolio at EOS

Secured Debts: What can go wrong with property deals.

Oct 2, 2019

2 min.

Missing walls, no power, illegally built: anyone purchasing debts secured against property in Eastern Europe needs to check every deal thoroughly first.

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European central bank is keeping an eye on NPLs and wants to provide bank with the incentive to sell these "bad loans"

NPL volumes: How they influence banks’ lending practices.

Oct 2, 2019

Tight credit terms with one bank, relaxed terms with another? Non-performing loan volumes in financial institutions provide an explanation for this.

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NPL: How do you earn money with non-performing loans?

Aug 16, 2019

2 min.

When people or companies cannot service their loans, this isn’t the end. This infographic explains why specialists like the EOS Group purchase non-performing loans – and how this benefits all parties.

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Agile working: A couple of co-workers discuss something in front of a monitor.

Agile working: Three work hacks that make you more agile right away.

Jul 5, 2019

3 min.

Agile working helps EOS respond faster to changes on the market. But how do employees and companies best approach the topic? EOS Scrum Master Dirk Hofmann reveals three methods.

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EOS CEO Klaus Engberding: “Start-ups are not the be all and end all.”

Jun 25, 2019

Start-ups are unduly idealized, says Klaus Engberding, CEO of the EOS Group: those responsible for a lot of people have to find a point of difference.

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EOS Kollecto+ Board: Thomas Walter, one of the team members of the international collaboration project.

A fresh approach to collaboration: The EOS Kollecto+ Board.

May 5, 2019

5 min.

The Kollecto+ Board is lifting cooperation at EOS to the next level. The international team is responsible for the ongoing development of web-based cloud-ready software in 12 countries.

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Data Analyst: one of the most interesting lines of work in the big data era.

Data Analyst – what kind of job is that?

May 3, 2019

3 min.

Large volumes of data come with a lot of responsibility. The profession of Data Analyst is one of the most interesting lines of work in the big data era.

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IT security at EOS: People in front of monitors in an office.

IT security at EOS: How we protect data with the help of hackers.

Mar 27, 2019

The walls are virtual, but the risks are real. EOS is protecting its valuable data with what are known as penetration tests. This is how white hat hacking works.

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Receivables purchase by EOS in France: Paris cityscape.

Receivables purchase: EOS acquires NPLs from Crédit Immobilier de France.

Mar 22, 2019

2 min.

EOS in France has bought a large NPL portfolio from CIF. For EOS the multi-million deal is one of the largest debt purchases ever; for CIF it is an attractive way to further reduce its NPL volume.

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Incorrect invoicing is especially for freelance and small business fateful.

Invoicing: The 8 most common mistakes – and how to do it properly.

Mar 20, 2019

2 min.

Invoice written, money received – the ideal scenario for businesses. But if the money doesn’t appear it may also have something to do with your invoicing. These eight reasons at least are avoidable.

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EOS explains how zero percentage financing works for vendors and what consumers need to know.

Zero percent financing: How interest-free loans pay off for dealerships.

Mar 13, 2019

Want to buy in installments at no extra cost? We explain how interest-free credit works.

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According the ECB, the NPL volumes shall be reduced

Non-performing loans: ECB gives European banks new guidelines.

Mar 5, 2019

2 min.

The ECB wants to pick up the pace: non-performing loan volumes amongst Europe's financial institutions should be falling faster. A proposal now makes the time horizon clear.

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In Hungary EOS is Würth's partner in collecting debts. Maria Szécsi, Finance Director of Würth is happy about the trust and the cooperation between the two partners.

Debt collection in Hungary: How EOS helps Würth to improve cash flow

Feb 20, 2019

Customers of Würth in Hungary pay their bills faster since the building technology giant has partnered up with EOS. All without damaging customer relations.

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With PSD2, the EU is revolutionizing online payments

Jan 11, 2019

No more payment fees, a world of new opportunities for fintechs: the EU directive is making banks more open.

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Why the economy needs debt collectors

Jan 10, 2019

The revenue they recover for companies is used for urgently needed investments - and to prevent insolvencies.

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EOS and other financial actors already use data to generate knowledge for the business. With prescriptive analytics, the use of data continues to develop and poses itself the question: What actions should be performed for a particular outcome?

Why the financial industry needs prescriptive analytics and digital twins

Jan 7, 2019

Forecasts based on averages are so last year – these days, companies can perform complex live simulations for every one of their clients.

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Annual and Sustainability Report 2023/24

Very good results in challenging times: In its 50th anniversary year, the EOS Group looks back on a demanding and successful financial year 2023/24. All key figures, business highlights and exciting throwbacks to 50 years of EOS as well as achievements and highlights of the EOS Group's commitment to its social, societal and environmental responsibility can be found in this year's annual and sustainability report.

Read the whole report