About EOS - EOS in Bulgaria
Marwin Ramcke, CEO of the EOS Group, stands in front of a large 3D model of the red company logo<br/>

About EOS in Bulgaria

We support your cash flow.

EOS Matrix has been on the market in Bulgaria since 2002, partnering with a number of leading banks and non-banking financial institutions. We at EOS support our clients to focus on their core business, we also increase their liquidity and minimize the risk to their reputation.

For more than 20 years now, EOS Matrix has been actively purchasing secured and unsecured portfolios of overdue receivables from the leading Bulgarian financial institutions. Most of our clients sold more than one of their portfolios to EOS Matrix and today we successfully manage acquired debt portfolios with a total nominal value of over BGN 4 billion.

EOS in Bulgaria

  • EOS Matrix is part of EOS Group - one of the leading financial investors and an expert in the processing of overdue receivables. The group's focus is purchasing of unsecured and secured portfolios of receivables. With over 50 years of experience, EOS offers customers over 20 countries intelligent solutions for their receivables management needs. EOS has more than 6,000 employees and is part of Otto Group. More information about EOS Group can be found at eos-solutions.com.

    The receivables are handled professionally by our trained staff who treat overdue customers with understanding. By working in this way, we ensure our long-term success and contribute to the good financial health of the economy.

    Our desire to impose ethical standards of work in the field of debt collection in Bulgaria prompted us to initiate the creation of the only branch organization in our sector - the Receivables Management Association. In our work, we are guided by the established international standards in the field of receivables management and the understanding that our goal is not only to collect the debt amount, but also to preserve the good image of the organization we represent.
  • icon red collaboration


    purchased debt portfolios
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    BGN 4.5 billion

    of purchased debt
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    over 200

    icon red building

    two local offices

    (Sofia and Stara Zagora)
  • Rayna Mitkova-Todorova

    Managing director

    Reny Mitkova has over20 years of management experience in the consulting and financial sector with a focus on business development and strategic planning. In 2002, she co-founded Europe Matrix and since then she has been the manager of the company, which in 2005 became part of the German financial group EOS Group and was renamed EOS Matrix. Ms. Mitkova successfully led EOS in Bulgaria through the turbulence of the financial crisis of 2008-2009 to transform it from a small start-up company to a leader in debt collection and debt purchasing in the Bulgarian market today. For the last 20 years, EOS in Bulgaria has successfully adapted to the challenges of the market, and the key factors for this, according to Mrs. Mitkova, are the skillful integration of digitalization in business processes and the deployment of the team's potential in an environment of trust, respect and high commitment.

    Reny Mitkova has been the chairwoman of the Receivables Management Association since its foundation in 2011, having been re-elected three times to this post. From 2015 to September 2019, she is a member of the Board of Directors of the "Federation of European National Collectors Associations" (FENCA)

    She graduated in International Tourism from UNWE and has a Master's degree in Business Administration from Cortugli Business School, Zagreb. She participated as a lecturer at a number of Bulgarian and international forums in the field of receivables management, leadership and management.

    In 2009, she was among the finalists in the "Manager of the Year" competition of "Manager" magazine, and in 2010 she won the "Young Manager" award, awarded by the "Eureka" Foundation. For the second time in 2021 Reny Mitkova is among the top 10 finalists in the "Manager of the Year" competition.

    Reny is a devoted mother of three children and enjoys reading in her little free time. In the middle of 2022, she publishes his first book, "You always pay".

    Tihomir Valchev, Managing Director EOS Bulgaria

    Tihomir Valchev

    Managing Director

    Tihomir Valchev grew professionally together with EOS in Bulgaria. One of the first debt collectors when the company was founded in 2002, he went through all operational levels in the EOS structure to today be the second managing director of the company in Bulgaria, for which more than 200 employees work.

    Mr. Valchev's focus as a manager is on operational processes in EOS in Bulgaria. Over the years, he has been responsible for the design of the structure of the operational departments in the company - call center, legal department, department for evaluating receivables portfolios. He is directly involved in the establishment of the second call center of EOS, as well as in the development and implementation of various strategies for processing of debts of clients from various sectors - banks, financial institutions, telecoms and others.

    Mr. Valchev is the primary architect of the company's shift in focus from a pure debt collector to an investor in the purchase of non-performing debts. He successfully implemented a number of innovations optimizing internal processes. Over the past 3 years, Mr. Valchev has developed the expertise of EOS in Bulgaria in the management of purchased portfolios secured by real estate. Adaptability and the courage to bet on new services and enter new segments are the factors that, according to him, have led to the sustainability of EOS over the past 20 years.

    Tihomir Valchev graduated in Law at UNWE. He has been a lecturer at a number of Bulgarian and international forums in the field of credit risk management and organizational transformation. He has interests in history and foreign languages.
  • Certified by Intertek

    • ISO/IEC 27001:2013
    • ISO/IEC 27701:2019

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