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Двама служители на EOS гледат лаптоп заедно, докато са потопени в разговор.

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

 

Марвин Рамке, главен изпълнителен директор на групата EOS, стои пред син фон, облечен в тъмно сако. Той гледа директно в камерата.

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.

Главният изпълнителен директор в сив блейзър и финансовият директор на EOS Група в син блейзър преминават през модерен офис. Пространството разполага с големи прозорци, извита стена и стилни висящи лампи.

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.

 

Изображение на млада жена, която се смее открито и държи таблет. Тя е седнала на кожен фотьойл пред тъмен фон.

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
Служител на EOS носи слушалки и се вижда как се усмихва, докато разговаря с дигитален партньор.

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
Брадат мъж с дълга коса, вързана на кок, седи пред компютър, напълно погълнат от работата си.

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
Двама млади служители на EOS разглеждат компютърен екран заедно и обсъждат това, което виждат.
Три значки за ESG награди: Вляво, шестоъгълна значка с надпис „Sustainalytics Industry ESG Top Rated 2025“ от Morningstar; до нея, подобна значка за „Sustainalytics Regional ESG Top Rated 2025“ от Morningstar. Вдясно, кръгла бронзова значка от EcoVadis с „Top 35% Sustainability Rating, Dec 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
“EOS Annual and Sustainability Report 2024/25“ на EOS групата очертава финансовото представяне на компанията и инициативите за устойчивост, включително приходи от 1.1 милиард евро и EBITDA от 460.8 милиона евро. Докладът подчертава ангажимента на EOS към етични практики за събиране на дългове, технологични иновации и социална отговорност, включително насърчаване на финансовото образование и подкрепа на разнообразието и приобщаването. Explore our four fields of action
Корпоративна отговорност – четирите области на действие на EOS Илюстрация на четирите области на действие в стратегията за корпоративна отговорност на EOS, придружена от малки визуализации. Responsible Collection, Social Engagement, Environmental Protection, и Financial Sustainability. Твърдението на EOS се появява отгоре: Changing for the better.

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

ИИ в събирането на дългове: На тази снимка двама професионалисти съвместно анализират програмния код за автоматизирани процеси на голям екран. Сцената илюстрира практическото приложение на изкуствения интелект (ИИ) и роботизираната автоматизация на процесите (RPA) в управлението на дългове – пример за цифрова трансформация в управлението на вземания.

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
Портрет на седящ зрял бизнесмен с син костюм, държащ бяла чаша кафе

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
Справедливо събиране на дългове: Мъж длъжник на средна възраст в маслинено яке гледа притеснено през прозореца.

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
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