Fiscal year 2025/26: EOS Group increases its investments in receivables portfolios in Eastern Europe.

Business across the entire region of Eastern Europe developed very positively over the past reporting year, driven by strong operational performance and substantial investments. With EUR 372.8 million and a 34.9 percent share of consolidated revenue, we were able to increase revenue in Eastern Europe by 1 percent. In my view, this success is primarily the result of the exceptionally close international collaboration between our employees. We can be proud of this team spirit.

In fiscal year 2025/26, EOS Consolidated succeeded in maintaining the high revenue level of the previous year. Overall, consolidated revenue increased by 1.4 percent to EUR 1.1 billion.

By offering short-term loans, also known as “bridge loans,” we help companies bridge temporary financing gaps so they can maintain business operations or secure strategic investments until long-term financing can be arranged.

One example is a financing project in Bosnia and Herzegovina, where EOS provided the Sarajevska Pivara brewery with a loan of EUR 4.6 million. The financing helped bridge the period between a payment obligation arising from a value-added tax arrangement and the planned issuance of corporate bonds. After four months, the brewery was able to successfully complete the bond issue and repay the bridge loan. 

I am particularly pleased that we were able to extend our cooperation with the IFC – a member of the World Bank Group – by another three years.

The joint venture, launched in 2022, aims to responsibly acquire NPL portfolios in order to improve companies’ liquidity and reduce consumers’ debts.

Environmental, social, and governance (ESG) criteria are systematically integrated into the entire investment process. The basis for this is a specially developed Environmental and Social Management System (ESMS), which serves as a joint framework for portfolio valuation and enables the continuous review of social and environmental impacts. The target markets of the cooperation are Bulgaria, Bosnia and Herzegovina, Croatia, Poland, Romania, and Serbia. 

One major focus across the Group was the further development of our operational platform through the use of Agentic AI. Effective, technology-based receivables management is increasingly becoming a key competitive advantage. Speed, accuracy, and scalability are increasingly important.

In Romania, Slovenia, Croatia, and Serbia, for example, we are already enhancing our receivables management through the use of Sofi-K, our proprietary generative AI assistant. Although Agentic AI is still in the pilot phase, it is already actively supporting our employees in routine case handling. Features such as email automation, call transcription, and analytical reporting have already been integrated, while additional applications, including voice AI, are currently being prepared.

The real added value lies not simply in the design of new solutions, but in the business impact they can have on our day-to-day operations. We use AI wherever it can automate repetitive tasks, accelerate processes, and create more capacity for complex decision-making. What inspires me every day is seeing how we at EOS continuously improve and evolve our processes through entrepreneurial thought and innovative ideas – and how we actively shape this transformation as a team.